Introduction

With the cost of living still on the rise, car insurance premiums in the UK have become a major concern for motorists in 2025. Whether you’re a new driver, renewing your policy, or switching vehicles, understanding how insurers calculate premiums can help you take control of your costs.

At Drift Bridge Group, we work closely with car buyers and drivers every day — so we’ve put together this comprehensive guide to help you save on your car insurance without compromising on cover.

1. Shop Around Before You Renew

Loyalty rarely pays when it comes to car insurance. Even if your insurer offers a “loyalty discount,” it often won’t beat the savings you can find by comparing providers.

Tip: Use comparison websites, but also check direct-only insurers who don’t appear on aggregators.

2. Increase Your Voluntary Excess

Raising your voluntary excess (the amount you agree to pay if you make a claim) can lower your premium. Just be sure you can afford it if you need to use it.

Example: Increasing your voluntary excess from £250 to £500 could cut your premium by 5–15%.

3. Consider Telematics (Black Box) Insurance

Telematics policies monitor your driving habits. If you're a careful driver, you’ll likely be rewarded with lower premiums — especially useful for younger or new drivers.

Ideal for: Drivers under 25, low-mileage motorists, or those with a clean record.

4. Pay Annually Instead of Monthly

Paying in monthly instalments often includes added interest and admin fees. If you can pay in full upfront, you could save between 5% and 15% annually.

5. Add a Named Experienced Driver

Adding a responsible, experienced named driver (like a parent or partner) to your policy — especially for younger drivers — can reduce the perceived risk and lower your quote.

Caution: Never add someone as a main driver if they aren’t; this is called "fronting" and is illegal.

6. Choose the Right Car for Cheap Insurance

Your car’s insurance group plays a major role in your premium. Smaller engines, high safety ratings, and lower market values generally attract cheaper quotes.

Tip: Ask Drift Bridge which models fall into lower insurance groups — especially for new drivers or families.

7. Limit Your Mileage

Insurers price policies partly on how far you drive each year. If you’re not commuting daily or only use your car occasionally, a lower annual mileage could reduce your cost.

Be honest — inaccurate mileage claims can void your policy.

8. Improve Vehicle Security

Adding features such as a steering lock, immobiliser, or tracker can reduce your risk rating. Parking in a garage or secure driveway overnight can also bring your premium down.

9. Avoid Modifications

Car modifications — even aesthetic ones — can increase premiums or reduce cover. If your vehicle has aftermarket wheels, tinted windows, or performance upgrades, expect to pay more.

Tip: If you’re considering modifications, check with your insurer first.

10. Build and Protect Your No-Claims Bonus

The more years of no-claims history you have, the lower your premium is likely to be. Protecting your no-claims bonus (NCB) can be worth the added cost if you're accident-free.

Bonus Tip: Use a Broker or Speak to a Specialist

Some insurers offer better rates via brokers or dealerships. At Drift Bridge Group, we work with trusted partners who can help customers find the right car finance and insurance bundles.

Conclusion

Car insurance may be mandatory, but overpaying isn’t. By following these practical tips, you can take proactive steps to reduce your premium in 2025, no matter what kind of car you drive or where you’re based in the UK.

At Drift Bridge Group, we’re here to help you choose not just the right vehicle, but also the most cost-effective way to own and run it.

Thinking of changing your car or insurance provider?

Visit your nearest Drift Bridge dealership or speak to our finance team to find a vehicle that’s affordable to buy, insure, and run.