Cheap Car Insurance Manchester

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Guide to Manchester Car Insurance

By Wajahat Raja
Wajahat Raja
Wajahat Raja Insurance Expert

Wajahat is an accomplished writer with a drive for finance and content creation. He has an MSc in Accounting and Finance from the University of Northampton. He has a keen interest in exploring a variety of topics like subjects insurance, private equity, and investment banking. His work demonstrates his passion for writing informational pieces which make him an asset in the field of finance


Expertise: Finance, Insurance, Home Insurance, Public Liability
from the MultiQuoteTime Editorial Team Jan 2024

To be honest, Manchester car insurance with quality coverage options is not very cheap compared to other regions across England. Manchester houses several thousands of drivers with a compulsory need for basic car insurance. It is especially higher for young drivers, and with good reason. The average cheap car insurance quote in Greater Manchester was £1,285, using the persona of a driver of 35 years, driving a Corsa, with a good driving record and five years of no claims bonus.

Car insurance with a CCJ order

In 2023, the population of Manchester was estimated to exceed 2.7 million, according to the Manchester City Council. The substantial population contributes to a vibrant transportation system. However, the prevalence of numerous cars on the city's roads increases the likelihood of accidents. This reality is mirrored in the insurance premiums residents of Manchester face, ranking among the highest in the UK.

Now, you can choose to get an independent broker to help you get car insurance quotes, but they don’t guarantee that you’d get the most affordable price. Worst case — you may pay more if you use a broker. However, you can still get a cheap and reasonable coverage insurance plan for as low as £650 annually. With MultiQuote Time, you’re sure to get sufficient information on multiple quotes to guide your decision and compare car insurance. To make it easier for you, we assessed cheap car insurance companies operating in Manchester and recommended cost-saving tips for your car insurance comparison. You can also check for affordable Fleet car insurance to get the best car insurance partner.

Car Insurance Manchester – Compare Cheap Quotes

If you live in Manchester and are looking for cheaper car insurance, Multi Quote Time can help you compare quotes to get the best deal. Just press the button below, enter your details, and you will receive quotes from over 100 providers.

In order to get the best deal on Chauffeur and Limousine fleet insurance, it’s vital that you compare quotes from a wide range of insurance companies.

We can provide you with access to a range of quotes from a panel of UK fleet insurance brokers that are able to tailor polices to you or your Chauffeur business's individual requirements.

  • Cover available for all drivers young, old with and without convictions
  • Polices can be tailored to your requirements
  • Flexible payment options
  • One short form – save time & money

Compare quotes to find cheaper car insurance in Manchester

Take a moment to compare quotes and discover the cheapest monthly car insurance options in Manchester. Additionally, consider reaching out directly to the car insurance companies that are not on comparison sites, including the following companies:

  • Hastings car insurance plans (Direct YouDrive, Essential, and Premier)
  • Swiftcover
  • People’s Choice
  • Admiral Insurance
  • AXA

Factors that influence car insurance premiums in Manchester

Usually, car insurance quotes vary for different clients, depending on special circumstances. Here are some of those factors that can influence your motor insurance quotes in Manchester:

Postcode

Postcodes with a higher chance of vehicle theft, crime, and damage have higher insurance quotes. For obvious reasons, it influences the possibility of you being a victim of vehicle crimes. In Manchester, there are nine vehicle crimes per 1000 persons annually.

However, the safest places to live and drive around in Manchester are M18 and M23. They have less than 5 vehicle crimes per 1000 persons. On the other hand, M3 and M4 have higher vehicle crime rates, as high as 35 per 1000 persons.

Age

Quotes for young drivers can be as high as three times the quotes for experienced and older drivers. Here’s why: age is a good way to determine experience and carefulness while driving. 

On that note, young drivers aged 20 years can pay a high premium in excess of  £2,000, while older drivers of 80 years and over can pay much less. Alternatively, younger drivers can install a black box to pay less.

Driving history

If you have a history of vehicle offences and driving convictions, your convicted driver insurance premiums will be higher. When you compare quotes, you will notice that a clean driving record helps you save money.

If you have a valid CCJ against you and are in desperate need of credits, you have to take the necessary steps to pay the debt as soon as possible. You might try confronting your creditor amicably to negotiate a repayment plan that works for you both. Clearing your debt within the specified timeframe will improve your credit score. It will also make it easier for you to obtain more credit in the future.

Policy type

If you want cheap car insurance quotes, consider a basic 3rd party coverage option, which is often cheaper than comprehensive car insurance, although with less coverage. We advise getting quotes for all level of cover, as sometimes comprehensive cover can work out cheaper than third part! The reason is that some insurance companies are getting wise to bad drivers opting for third party cover, and they actually end up paying out more on claims than cars that are fully covered.

Car insurance companies Manchester

Quoteline Direct
Telephone: 01618748011
Clipper House
Chester Road Sale
MANCHESTER
Cheshire
M32 8AF

J & A Brokers Ltd
Telephone: 01618729886
5th Floor
Chester Road
MANCHESTER
Lancashire
M32 0RS

Bridge Insurance Brokers Ltd
Telephone: 01612366969
Cobac House
14-16 Charlotte Street
MANCHESTER
M1 4FL

Tips to get Cheaper Car Insurance Quotes in Manchester

Saving money on your car insurance policy in Manchester follows a similar guideline as in other regions in the UK. Simply, you can do the following;

  • Comparison shopping
  • Explore insurance discounts
  • Keep a good driving record and reduce speeding tickets
  • If you have a bad credit score, work on improving your credit score
  • If moving house, consider the post in relation to perceived insurance risk

Find the cheapest car insurance options in Manchester with Multi Quote Time. Simply Click Here, fill a simple form, and discover multiple quotes from several insurance brokers.

Compare Car Insurance Manchester  

  • No premium loading for your financial issues
  • One short form – save time & money
  • Multiple Quotes from UK insurance providers
  • Get tailored quotes in under 5 minutes
Cheap Manchester Car Insurance

*51% of consumers could save £504.25 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices
quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from September 2023 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.

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