Cheap Car Insurance Quotes

Car Insurance UK

Compare Car Insurance Quotes

Car insurance is a major financial expenditure for many people in the UK, which means it’s vital that you find the cheapest car insurance policy you can, while ensuring that the policy you choose meets all of your coverage needs.

And that’s where Tiger.co.uk steps in. The car insurance comparison service we provide access to can increase your odds of finding a roaring great deal on your policy, by enabling you to compare quotes from over 110 car insurance companies side by side.

No need to phone around different insurance companies. With the comparison service a short form is all it takes, and your quotes will then be displayed on the screen in moments. So when you’re looking for car insurance don’t use the phone, use the Tiger.

Why is car insurance so expensive?

Car insurance premiums have experienced a significant rise in recent years due to a number of economic pressures and an increased number of total national claims. The average cost of a car insurance policy has been forecast to increase a further 11% in 2024. The current average UK car insurance cost as of January 2024 is £956.

How much is car insurance?

According to the latest data, the average car insurance premium cost sits at £956 for UK motorists. This will vary between regions however, with areas like London being significantly more expensive than the South West or Wales. Your age will also play a factor in determining your car insurance premiums with those between the ages of 18 and 24 paying over £1000 annually of car insurance premiums. Compare multiple insurance quotes to find the best car insurance price for you.

Should I opt for ‘third party only’ insurance in order to get cheaper car insurance?

You may already know that there are three levels of car insurance coverage in the UK: third-party insurance, third party, fire and theft, and fully comprehensive car insurance.

As the name suggests, ‘third party only’ cover will only pay out for damage or injury to third parties – your own vehicle won’t be covered.

So that must mean third-party only is the cheapest car insurance, right?

Not so fast there, tiger.

The truth of the matter is that some car insurance providers factor into their calculations the fact that third-party-only policies tend to be favoured by riskier drivers, and when that influences the premium calculation the end result is that third party only policies sometimes cost MORE than fully-comp.

That’s why we recommend you compare quotes for all three coverage levels, and then go with the one that offers the most comprehensive coverage at the price you can afford. If you only need car insurance temporarily, then we recommend taking out a temporary car insurance policy as a cheaper alternative.

Is it true my mileage can affect the cost of my car insurance?

Yes, and for good reason – all other things being equal, your odds of being involved in a road traffic accident increase in line with your mileage. After all, you’re more likely to have an accident when you’re out driving around in traffic than you are if your car is parked in your driveway.

Of course, that doesn’t mean you should underestimate your annual mileage in order to find cheap car insurance quotes. It’s vital that you’re truthful when you’re comparing car insurance policies because lying or withholding information could potentially result in your policy being cancelled due to non-disclosure.

Is it true my car’s insurance group will affect the cost of my car insurance?

Yes, the higher your car’s insurance group the more your car insurance is likely to cost, because those groups have been designed to take into account both the likelihood of your car’s make, model and engine size (since more powerful cars with bigger engines have a higher risk of an accident), and the cost of replacing or repairing the car in the event of an accident (since those costs will affect the total insurance claim amount).

Is it true my age will affect my car insurance premium?

Yes, it can do. 

Younger, less experienced drivers generally have a higher risk of being involved in a car accident, so insurance providers will take your age into consideration.

Of course, once you’re in your 40s or 50s and have clocked up decades behind the wheel your age will become a less influential risk factor, but insurance providers will always ask for this information nonetheless even for older drivers.

Is it true the right job title can help me find cheap car insurance?

Your job title is one of the risk factors insurance providers take into consideration, and some occupations do benefit from cheaper insurance quotes than others.

However, it’s important to be truthful when you’re declaring your job title – choosing an inaccurate job title just to get cheap car insurance is sure to be a false economy, because your policy will likely be cancelled by the insurer when the discrepancy is discovered. 

How to get cheap car insurance

There are many factors that can influence your car insurance premiums as we have previously mentioned. Common factors such as your age, vehicle, the area where you live and even your occupation all have an impact. There are other more practical steps you can take however to start saving on your premiums and get offered cheap car insurance, these include the following options:

• Black Box Car Insurance – Black box insurance, sometimes referred to as telematics insurance, is essentially works by using the monitoring technology of the black box installed in your car to reduce your risk profile to insurers.
• First-time driver insurance – Adding a low-risk secondary driver, such as a parent to your policy, as well as keeping annual mileage low. If you spend less time on the road, you present less risk.
• Parking in a garage or driveway
• Comparing multiple insurance quotes

Perhaps the easiest thing you can do as a motorist when it comes to looking for the cheapest car insurance is to compare multiple quotes. Not only does this mean you won’t auto-renew with a provider who might not have the best price, it significantly increases your chances of finding the best car insurance quote for you.

Will I get the cheapest car insurance guaranteed?

Whilst no car insurance provider can guarantee you the cheapest car insurance, you can significantly increase your chances of finding it. Since different motorists have different requirements as well as different risk profiles to insurers, no two motorists are ever exactly the same. That’s why it is very important to compare car insurance with multiple providers in order to maximise your chances of finding the cheapest car insurance on offer to you. Here at Tiger, we can help with that.

Find great deals via Tiger.co.uk

To help you on your hunt for the cheapest UK car insurance, it’s always a good idea to compare car insurance quotes across multiple providers. With the free, no-fuss comparison tool, you can quickly and easily compare car insurance policies and make sure that you’re getting a competitive deal that’s right for you.

Our Managing Director here at Tiger.co.uk is Ian Wilson, Ian is a trusted car insurance expert with over 20 years of industry experience, specialising in financial services.

Ian studied at Queen’s University, earning an MEng degree before he began pioneering the launch of a wide range of innovative financial comparison solutions which have helped consumers and small businesses throughout the UK save millions on everyday essentials such as car, van and fleet insurance.

Ian’s expert financial commentary has made him an asset to national and local press, quoting on a wide range of personal finance and insurance topics.