Compare car insurance: best comparison sites 2018
It pays to shop around and compare your car insurance options, so we test the best car insurance price comparison sites
It doesn’t matter if you’re old or young, male or female or own a supercar or an SUV, you’ll always need motor insurance. Getting the best deal possible can help ease the burden on your bank balance, and that’s where a good comparison website can step in to find the cheapest and most relevant cover for you.
These websites promise to save you hundreds of pounds by bringing up a host of options once you’ve entered some simple data. You’ll still need to go direct to some big operators – such as Direct Line and Aviva – to find their quotes, but most major companies will be compared via these websites.
And because insurance is about so much more than just the rock-bottom premium, we tested eight insurance comparison sites to find out which will get you the most suitable cover.
How we tested them
We got quotes for a 40-year-old man from Oxford driving a 1.6-litre Ford Focus diesel to compare prices. It wasn’t all about cheap premiums; we were looking for a site that generated a large number of reasonably priced quotes from known brands.
It was also important for the sites to provide cover that we’d asked for in terms of excess and no-claims. Sites were awarded points for how easy and quick it was to fill in our details, the speed of search and how clear the information was about the insurance policies, including add-ons such as windscreen protection.
Our previous test winner, Compare The Market, takes top spot again thanks to its combination of an easy-to-use interface, vast choice of quotes and great prices. There’s not too much to separate the other big names, but GoCompare has the slight edge.
- 1. Compare The Market
- 2. GoCompare
- 3. Confused
Compare The Market
Our previous test winner reigns again thanks to its easy-to-complete form. It uses pictures and icons to explain what it is you’re filling in. A lot of the information, including vehicle history, is pre-filled to speed up the quote process.
The site also returned the lowest price on test, plus had a great range of competitive quotes. Details of the policy are clearly shown, and you can filter extras such as legal cover and breakdown protection. You can also find a telematics option easily. Another sweetener is the two-for-one cinema ticket deal if you end up taking out a policy through Compare The Market.
GoCompare is easy to use, with big icons on a clean interface. Notes on the side help you know what you’re filling in, plus car details are automatically completed when you enter the registration. The results returned the joint second lowest insurance premium, with a strong range of options at a good price.
There’s a clear breakdown of voluntary and compulsory excess, so you won’t get caught out paying extra, plus GoCompare has a new two-for-one meal offer to take on Compare The Market’s enticing cinema deal. The results page also provides a good box-out on each policy for a handy at-a-glance guide to what you’re paying.
We recommended Confused in our last test, but criticised its slightly muddled question order, which made getting a quote more drawn out and not as simple as with rivals. However, that has now been tidied up, speeding up the process, while the interface is as user-friendly as ever.
Voluntary and compulsory excess is laid out clearly on the results page, and you can easily change how much you pay. But there’s no way to filter the results for other add-ons such as breakdown cover or legal protection. Overall, prices were on par with rivals’, with competitive quotes offered, plus the site promises to beat your renewal price.
MoneSuperMarket is more basic than other sites and uses drop-down menus rather than the buttons and graphics of its rivals, so it’s a little less user-friendly. The layout of the questions is also a bit unusual because it flits between different, unrelated topics.
However, this doesn’t slow things down too much and MoneySuperMarket returned the most quotes of any of the sites in the test; prices were competitive, too. The biggest negative with the website was that it automatically included a voluntary excess and ignored no claims bonus cover, so you need to take care when looking at the results it produces.
uSwitch has made a big investment in car insurance. The site has a basic design, but it’s simple and effective. We criticised uSwitch in the past for not having explainers on the fields; that’s now been improved, and the auto-complete when you enter your registration is handy. It didn’t give as many quotes as rivals and they were on the pricier side, plus the results took a while to load.
We've been impressed by Quotezone’s pricing in the past – it previously offered the lowest premium on test – but this time it didn’t match the cheapest options. Still, the filling-out experience has been improved. The old long-winded list of questions has been broken down and a registration auto-complete has speeded things up. We like the ability to compare up to four policies at once on the results page, too.
A new entry into our test, but one that can’t match its big-name rivals for performance across the board. The question layout is basic, with drop-down menus for most of the questions and no fancy graphics. But there is a handy registration auto-complete, drawing on the DVLA database, and the final results are easy to tweak and filter. Unfortunately, the quotes the website returned were on the expensive side.
Another site that’s new to our test, Money is similar in performance and layout to Money Expert. It uses drop down menus rather than graphics, yet it’s simple and effective. The registration auto-complete matches rivals and the results let you find a policy that matches your needs by filtering and options tickboxes. The quotes were the joint highest, with a limited number of competitive prices.
Fancy saving money on car insurance? Then read our dedicated article on how to get a cheaper quote.