How To Get Cheap Car Insurance

How to Get Cheaper Car Insurance in the UK – A 2025 Guide from Pro Fleet Hire

With UK car insurance premiums rising steadily over the past few years, drivers across the country are on the lookout for smart ways to cut costs. Whether you're a private motorist or run a vehicle hire business like we do at Pro Fleet Hire, understanding how insurers calculate premiums can help you make cost-effective choices and save hundreds annually. Here’s a practical breakdown of how to secure cheaper car insurance in 2025.

1. Shop Around and Compare Regularly

It might sound obvious, but loyalty rarely pays in the car insurance world. Renewing automatically often results in paying the "loyalty tax" — a penalty for not switching providers. Use comparison sites like GoCompare, CompareTheMarket, and Confused.com, but also check direct insurers like Aviva and Direct Line who sometimes skip aggregators.

Tip: Start shopping 3–4 weeks before your policy expires — this is when insurers often offer the best rates.

2. Adjust Your Excess

Voluntary excess is the amount you agree to pay out of pocket if you make a claim. Increasing this can lower your premium. For example, setting your voluntary excess at £250 or £500 instead of £100 can bring down monthly costs — but make sure it’s an amount you can comfortably afford in an emergency.

3. Consider Telematics ("Black Box") Policies

Particularly useful for younger or less experienced drivers, telematics policies use a small device or smartphone app to monitor your driving habits — speed, braking, cornering, and time of travel. Safer drivers are rewarded with cheaper renewals. At Pro Fleet Hire, we use similar tech for fleet monitoring, so we know how powerful data can be when proving reliability.

4. Add a Named Driver (Wisely)

Adding an experienced driver — such as a parent or spouse — can sometimes lower your premium. Just make sure they actually use the car occasionally, and never falsely list someone else as the main driver (this is known as “fronting” and is considered fraud).

5. Pay Annually, Not Monthly

Paying in monthly instalments can come with interest rates as high as 25% APR. If you can afford to pay upfront, you’ll often see a saving of £50–£150 per year.

6. Improve Vehicle Security

Installing an immobiliser, tracking system, or even a simple steering lock can reduce your premium. Parking overnight in a locked garage or private driveway also helps — a simple but often overlooked tactic.

7. Be Honest About Mileage

Overestimating your annual mileage means you might be paying more than necessary. Use Google Maps or your MOT history to estimate realistically. However, underestimating can void your policy, so be accurate.

8. Choose the Right Car

Cars in lower insurance groups (Group 1 to 10) are cheaper to insure. Smaller engines, basic trims, and low repair costs help bring premiums down. If you’re running a rental business, selecting cars that sit in the lower groups can reduce your operating expenses significantly.

Final Thoughts

At Pro Fleet Hire, we're not just about providing vehicles — we’re about empowering drivers with the knowledge to save money and make better decisions. Whether you drive a VW Golf or a Range Rover SVR, there’s always a way to reduce your insurance costs with a bit of planning and awareness.

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