Seven ways to cut your car insurance in 2026

Car insurance pricing rewards the predictable. Insurers price risk, and the more accurately you describe a low-risk profile, the better your quote.

Start with your voluntary excess. Raising it signals you'll absorb small claims yourself, which usually lowers the premium — just keep it to an amount you could actually pay after an incident.

Next, check your annual mileage. Many drivers overestimate, and a lower, honest figure can reduce your price. Pair that with an accurate occupation description; vague or inflated job titles can push you into a higher bracket.

Finally, protect your no-claims discount once it's substantial, and compare at renewal rather than auto-accepting. Loyalty rarely pays in insurance.