Is it cheaper to insure a used car?

Used cars are usually cheaper to insure because they are seen as less valuable than new vehicles. However, it’s not always the case.

There are other factors that determine how much you would pay. These include your personal driving history and the level of coverage you choose.

How to Get Cheap Car Insurance

While new and young drivers under 22 can find it costly to insure their vehicle of choice, even those who have been on the road for some time can face a similar challenge. To ensure you get the best possible deal, read our steps below to lower premiums.

Shop around

This may seem like an obvious thing to say, yet many people simply don’t do it! Saving of hundreds of pounds can be achieved simply by pitting one provider against another. A word of caution however – just make sure that you are comparing like for like cover. While some policies may seem cheaper they may not offer the same level of cover. This is where price comparison sites can come into their own. Platforms such as or all aim to save drivers money. Simply pop your details in and let the site do the rest. You will then have a number of options to choose from.

Protect your no-claims bonus

Achieving a long no claims bonus is the single best way of cutting car insurance costs in the first place, and a good way to continue this is to protect it. While it may increase the premium by a few pounds, if you consider the offset cost against the potential loss of a 90 percent discount on premium of a few hundred pounds, the choice is very clear.

Secure your car

Fitting an approved alarm, immobiliser or tracking device can achieve a discount of 5% or more. It's worth remembering that many newer cars come with these as standard, so if you are insuring a brand new vehicle make sure you check if you have them and let your insurance company know.

Cover fewer miles

While this may be easier for some than others, the fewer miles the car covers the greater the saving. For instance a cut of 5,000 miles per annum could save a typical 35 year old driver around £50 in premiums.

Use your garage

Insurers like cars to be kept in garages overnight as it reduces the risk of damage or break-in. Aside from the benefit of not scraping ice off in winter, there is also more likelihood of the car being stolen if parked on the road.

New car package

When changing cars, and if in the market for a brand new one, asking dealers what offers they have that include free insurance is always a good idea. Manufacturers have recognised that offering cars with free insurance (and often finance options too) is another way to appeal to customers. So if you find a deal that works for you, it's certainly worth considering the whole package.

Trust Lookers for Used Cars

You can trust us to help you find a used car that’s perfect for your needs. We’re an authorised representative for a wide range of award-winning car manufacturers, providing you with an unparalleled choice of quality used vehicles, currently for sale. Our high standards ensure you receive the best possible service when you purchase with us, ensuring peace of mind when you drive away with your new used car.

Our network of dealers represents a collection of world-renowned manufacturers, who retail their vehicles through us. We have over 100 showroom locations across the UK, where you can find quality used cars and first-class support and service from our team of experts.

We're a dealer for famous manufacturers, who provide comfortable and convenient family cars, including Ford, Kia, Renault, Skoda and Vauxhall. Lookers also represent some of the best premium manufacturers, such as Audi, Jaguar, Land Rover, Volvo, BMW and many more.

This huge variety of vehicle types and specifications are waiting for you. From hatchbacks and people carriers to saloons and sports cars, we sell used electric, petrol and hybrid vehicles that meet the needs of all our customers – at competitive prices.

Every approved used and nearly new car we retail has passed numerous checks and tests, to give you peace of mind when you buy.

Take a look at the range of used cars and ex-demo or low mileage cars available across the U.K. Including:

Used Automatic Cars
Used 1 Litre Cars
Used 4x4 Cars
Used Crossover Cars
Used Seven Seaters
Used Estate Cars
Used Electric Cars
Used Hybrid Cars
Used Cars under £5,000
Used Cars between £5,000 - £7,000
Used Supercars
Used Convertible Cars

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