A cheap car insurance quote usually includes the insurer’s price for covering your risk, Insurance Premium Tax, and any policy or administration charges. The price can be affected by your age, driving history, vehicle, postcode, annual mileage, cover level and chosen excess. Optional extras such as breakdown cover, legal expenses or a courtesy car may increase the total, while a higher voluntary excess can reduce the quoted price but leave you paying more if you claim. Compare policies on cover, exclusions and fees as well as the headline cost, and check the provider is FCA-authorised.