Car Insurance

Applying for a car insurance quote online is really simple – just enter your registration plate at the top and click 'Get quotes'. This will take you to our online form where we’ll ask you for more details about yourself, your driving history, the car you’re insuring and the coverage you require. Don’t worry, if you don’t know the registration plate or you haven’t bought the car yet – you can still get an online car insurance quotation.

Once you’ve submitted the form, Quotezone will then search over 100 leading UK car insurance companies to find you an affordable deal. When you find one you like, press ‘next’ and follow the steps online.

How car insurance companies calculate your premium can be affected by many things – and it can be a bit of a mystery. But here are some great tips that could help you score cheaper UK car insurance:

1. Carefully pick your car. All vehicles are placed into a car insurance group ranging from 1 (cheapest) to 50 (most expensive), so buying one at the lower end will ensure cheaper insurance.
2. Improve your car’s security features. Insurance is calculated based on risk – therefore, improving your vehicle’s security or even just parking on a driveway will make an insurer feel more at ease.
3. Increase your voluntary excess. You could see your car insurance quote change if you increase your voluntary excess, as the insurer will have less to pay out if you did damage your vehicle.
4. Use your No Claims Bonus. A long No Claims Bonus is probably the best way to cut the cost of your car insurance, as it’s evidence you’re a safe driver.
5. Pay annually, not monthly. If you can afford to always pay for your car insurance upfront as paying monthly could add another 20% onto the overall cost.
6. Keep the miles to a minimum. Quite simply, the less miles you do, the less likely you are to make a claim, so lenders take this into account when deciding the cost. Don’t go over your stated mileage though, as this could invalidate your car insurance.

A telematics box (or black box) is a small device which is fitted to your car and monitors your driving. It records things like speed, mileage, time of travel, braking and corning – and it sends this information back to your insurance provider.

If you prove to be driving sensibly, you’ll be rewarded by your UK insurance provider – often with cheaper premiums. However, if you drive recklessly, your provider could also up the price! That’s why this type of car insurance is also sometimes referred to as ‘pay-as-you-drive’ or ‘pay-how-you-drive’.

Black box insurance can be taken out by anyone but it is especially useful to new or young drivers, or those with driving convictions, and it can slash the cost of your insurance if you drive carefully.

Yes, most policies give you the option to pay for your car insurance monthly. However, just be aware of the pros and cons for doing so.

Paying monthly can be useful if you can’t afford the one-off upfront cost… this could be especially true if you’re a new or first-time driver with a high premium. But the downside is that you could end up paying more over the course of the year as the insurance provider will charge you interest on your premium.