Cheap car insurance usually means an insurer has assessed your circumstances as presenting a lower risk, or that the policy offers less cover or a higher excess. Premiums can be affected by your age, driving history, postcode, mileage, vehicle, intended use and named drivers. Check whether the policy is third-party, third-party fire and theft, or comprehensive, and read the exclusions, excesses and mileage limits carefully. Compare FCA-authorised insurers or brokers, provide accurate details and make sure the cheapest quote still meets your needs.