So how do you find it?

Hundreds of websites claim to be able to find you the very cheapest car insurance; but when you get quotes they are no better than you could have got yourself by visiting comparison sites such as or  Or, for short term car insurance, there is Why is this?

The truth is that premiums are decided by two kinds of factors: those you can't do much about, and those you can. There is no magic wand that can change this.

Factors you can't control

Factors you CAN control

The bottom line