Shopping around for car insurance can be a hassle. You want the best value for money with a company you can trust whilst also being confident the price is competitive. Now Auto Trader have made this a whole lot easier with it’s revolutionary insurance finder.
Want to buy insurance direct from Auto Trader without comparing the market?
Auto Trader’s new insurance comparator, provided by insuresupermarket.com lets you compare quotes from over 50 insurers. Just enter your details on the screen and quotes will automatically be returned from a variety of companies including direct brokers, broker sites and specialist insurers.
This will help consumers in being able to instantly compare prices for their insurance, all on the one screen. You can then click the links of interest to find out how to apply online.
The Auto Trader insurance centre has always been an extremely popular area of the website. Thousands of car owners visit the centre in the search of the best possible quote and Auto Trader is confident the new comparator will enhance traffic further.
Other popular insurance finders
The Mercedes E Class has traditionally gone head to head with the BMW 5 Series. But while BMW took some huge risks with the look of the Five, Mercedes has followed its traditional route – classy and understated.
For anyone who hasn’t driven a Mercedes before, there’s a huge sense of occasion staring down the bonnet at the three-pointed star sitting proud on the car’s nose. It’s a true automotive icon.
The Mercedes E Class range offers something for everyone – from a wheezy 1.8-litre petrol, through a variety of excellent diesels to the supercar slaying E 63 AMG. The 3-litre diesel fitted to our E 280 CDI was superbly refined and offered very good performance – 0-62mph in 7.9 seconds and a top speed of 149mph. Having said that, the E felt slower than the figures suggest.
Despite its facelift in 2006, many of the E Class‘ components date back to 2002, and are well proven. In fact many of the replacements were to answer reliability problems with early cars, and needed to be extra tough
The E Class is an excellent all-rounder. It remains competitive in terms of the way it drives and the comfort it offers. With its understated styling, the E-Class has – and will continue – to win over thousands of motorists.
Read more about Mercedes Cars
Ford Fiesta Covers Two things – the sporty styling and the attention to detail. The handling and acceleration make you feel like you’re driving a proper sporty supermini, and the extras – like the side mirrors that turn inwards when you lock the car – justify the price.
With the Ford Fiesta Ghia the emphasis is on luxury – and the Blue Oval’s baby is more refined than ever before.
The well equipped Fiesta Ghia is stylish, and feels sportier than the Focus, although not a fully fledged hot hatch like the ST
Not a million miles away from the Focus, the dark grey interior of the Ghia has a sportier feel than its more sedate counterpart, and features a stylish leather trim.
The new Fords have increased reliability, and this model is no exception. The Ghia has a solid feel, and performs well in customer satisfaction surveys.
Good tyres are essential for safe driving and affect steering, braking and acceleration. Here’s some essential checks to carry out.
Damage – Examine the tyres for damage regularly; bumps or bulges, foreign objects, cuts, cracks and tread wear (often a result of kerbing/scraping). ACTION: Replace the tyre if damage is evident.
Tyre pressures are vital for balanced breaking, maximum grip and maximum tyre life. Recommended pressures vary according to load or speed. The part of the tyre in contact with the road is the ‘footprint’. Wrong tyre pressures will cause rapid wear and shorter tyre life. ACTION: Check the pressure in your tyres daily and when the car has been parked for at least 3 hours. If you think a tyre might be low, try and check it immediately with a tyre gauge and do not forget your spare tyre! The recommended cold tyre pressures are usually given on the tyre information label on the rear doorjamb on the driver’s side and can be checked at the majority of petrol garages.
For more essential checks, visit our basic car checks page.
Minimum legal depth for tyre tread for cars in the UK and EU is 1.6mm across the central three quarters of the tyre tread width, though the AA recommend at least 2mm. ACTION: To check your tyres, visually check and measure the 1.6mm tread depth indicators on the tyres
The life span of tyres is dependant on the type of car, the amount of use and the driver! Reasons for changing tyres are usually legal (ie safety reasons and maybe driver preference). The tyres that are fitted to the car from the factory are generally the best tyres for your car. ACTION: Make sure the installer balances the wheels when you have new tyres installed. This increases riding comfort and tyre life.
Warning: Old tyres may make driving dangerous, depending on their tread depth and strength. But weather can also affect your driving – read about skidding and how to avoid it for more information.
Watch Youtube Videos on – How to change car tyres?
Auto Trader – Used Cars guide
Buying a used car can have potential pitfalls – but it needn’t be a painful experience if you follow a simple set of rules and checks.
Do your research
It’s vital to research thoroughly before buying a used car. Search our used car ads online or in your local Auto Trader magazine to find out the model’s going price.
Find the right car for you
- Browse Auto Trader’s car reviews
- Read user reviews at drivethedebate.co.uk
- Read the latest car news at Auto Trader’s News Hub
- Use Auto Trader’s used car search to find the best deals on new cars
- Search from more than 300 insurance quotes at Auto Trader’s Car Insurance Centre
How to sell your car
We help you get the most money for your car with our complete guide to selling.
Stay safe with our essential selling advice.
Dealing with buyers
For many owners the worst part of selling a car is having to deal with potential buyers, but it doesn’t have to be like this.
Seal the deal
Get the most money for your car and a quick sale in five simple steps – from payment to paperwork.
Car Depreciation Advice
Depreciation is the single biggest concern for thousands of car buyers – we help YOU beat it.
Essential test drive advice
Buyers won’t buy your car without taking it for a test drive first. We list the do’s and don’ts of the test drive.
Setting the price of your car
We show you how to get the true market value for your car.
Wording your car advert
Read our complete guide to wording your advert correctly and find out how to get it right first time.
Preparing your car for sale
From washing your car to repairing damage, we show you the essential steps before putting your car for sale.
You should NEVER hand money over to canvassers – over the phone. Read our advice on how to avoid being a victim of fraud.
The BMW M3 was once a road-going race car; and the original model which debuted in the late 1980s is still regarded as one of the best-handling cars ever built.
But two decades on, drivers demand more comfort and more power, so the latest BMW M3 is the first to pack a V8 and now offers a staggering 414bhp.
The standard 3 Series is a handsome car; more so in its two-door coupe guise. But the BMW M3 is more pumped up in every way.
While the exterior is all bulging muscle and aggression, the BMW M3′s cabin is a remarkably sober affair.
The front of the BMW M3 is as spacious as any other 3 Series: plenty of room in all dimensions for both driver and passenger.
Now we’re talking – this is the BMW M3′s home turf. The power steering is operated hydraulically rather than electrically for added ‘feel’. The steering offers enough feedback to exploit the car’s balanced chassis, and our test drivers found its on-road prowess among the best of the current performance car crop.
With more than 400bhp on tap via its 4-litre V8 engine, the BMW M3 is no slouch. It’ll despatch 62mph in just 4.8 seconds before hitting a limited top speed of 155mph. And it sounds simply sensational while doing it.
At more than £50,000, the new BMW M3 is the costliest yet, and after specifying a few options, the car’s first buyer could be looking at a £60,000 bill – not far off the asking price for a new Porsche 911.
The standard BMW 3 Series coupe, on which the M3 is based, has a good reputation for reliability.
The current BMW 3 Series received a full five star rating for adult occupant protection in the EuroNCAP crash test programme, while it achieved four stars for child protection.
The fourth generation of the BMW M3 is surely the best yet. With a potent V8 engine mated to a balanced chassis and responsive steering.
Find more about BMW Cars
BMW has scooped the 2008 International Engine of the Year award with its twin-turbo 3-litre petrol engine.
BMW rounded off the awards ceremony by scooping up six trophies from twelve categories, including the Best New Engine of 2008 for the BMW 123d, and the 3-litre to 4-litre category for its 400bhp 4-litre V8 engine used in the new BMW M3.
What Is Car Insurance?
Car Insurance provides protection against losses incurred as a result of accidents, theft or damage to your vehicle. Motor insurance can be seen as a legal contract between you and your insurer, defining each party’s rights and responsibilities in the case of an accident. As well as financial compensation, benefits of car insurance services can include alternative transport and breakdown assistance. Many of the questions concerning Car Insurance also apply to other forms of vehicle insurance, ie vans and motorcycles.
Motor insurance is one of the few compulsory forms of insurance, apart from employers’ liability and buildings insurance (if you have a mortgage). It is an offence under the Road Traffic Act to take your car onto the public highway without insurance.
Every time you take the wheel, you run the risk of damage to your car, to yourself and to third parties and their property. While it may be tempting to go for the cheapest insurance cover, this may turn out to be a false economy.
There are three forms of motor insurance cover:
1. Third Party
Third party is the minimum legal level of insurance. The first two parties are the insurance company and the driver. Third party insurance covers your liabilities in respect of:
- Injuries to others (i.e. to your passengers and other persons not inside your car).
- Damage to other peoples’ property (e.g. the third party’s car, but not your own vehicle).
2. Third Party, Fire and Theft
It covers the aforementioned Third Party risks plus theft, and damage to your vehicle caused by attempted theft and fire.
3. Comprehensive Car Insurance
Comprehensive insurance covers third party, fire and theft risks plus:
- Accidental damage to your vehicle
- Malicious damage to your vehicle
- Personal accident
- Medical expenses, to a limit
- Loss of, or damage to, personal property carried in your vehicle, to a limit
- New for old replacement in the first year.
- Glass replacement (windscreen, sunroof and windows).
4. Short Term Car Insurance
Short-term car insurance provides cover in a range of different circumstances including emergencies and when it’s convenient to be insured for less than a month or so.
If you are purchasing a new car, short-term cover may provide you with the opportunity to test-drive the vehicle or, if you’ve already bought it, to drive it home legally.
If something happens and you cannot drive your own vehicle, short-term car insurance may be required to allow you to take control of a courtesy car or a privately obtained extra vehicle.
5. Pay as you go Car Insurance
A relatively new introduction to the range of policies available, pay-as-you-drive is based on global positioning systems (GPS) and tracks where and when you drive your car. Insurance premiums are usually charged by the mile at different rates depending on the time of day and the class of road on which you drive.
For example, a car driving in the rush hour every morning might be charged more per mile than one driving on an empty motorway in the middle of the night. Insurance companies say this is a good option for those who don’t drive often or who only drive at off-peak times, as it may be able to save money overall.
The demise of Norwich Union’s pay as you go car insurance scheme is “a blow for younger drivers”, one expert has claimed.
Peter Gerrard, head of insurance research at moneysupermarket.com, explained that the “innovative” form of protection was good for those who were willing to curb their driving habits for cheaper premiums. Read Full Article
6. Female Car Insurance
With women statistically less likely to have an accident, a number of female car insurance providers have started offering policies just for the girls.
Companies such as Diva or Sheila’s Wheels provide policies which may be cheaper than those sold by unisex firms.
Sheila’s Wheels, for example, says it will extend cover to include your spouse, so it may be cheaper for a couple to insure their car in the woman’s name and take advantage of the lower premiums.
7. Student Car Insurance
Because a student is normally a young person they typically pay a higher premium for car insurance.
Students should consider the options on what type of car insurance policy to have. Overall there are 3 main types of car insurance: Third party only insurance, third party fire and theft and fully comprehensive.
8. Young Driver Car Insurance
If you are a newly qualified or learner driver (provisional licence) with a you have probably discovered that it is difficult to find cheap car insurance.
How young driver can reduce car insurance premium?
The following tips will help you reduce the cost of young drievsr car insurance.
- Take the Pass Plus Driving Exam -The pass plus examination is for new and young car drivers. It is an intensive training course that helps new drivers become a better drivers. Pass the pass plus and you will get a discount of up 35% on your car insurance. Taking the Pass Plus will cost around £100 but given the high cost of new drivers car insurance you should save more than this on your car insurance premium. Ask your driving instructor for details.
- Pay a Higher Excess -Insurers will insist on a minimum amount that you have to contribute to any car insurance claim. The standard amount is £100. As new and young drivers if you volunteer a higher amount you could save on your car insurance premium.
- Pay Your Car Insurance Premium in One Go – It is often cheaper to pay your years car insurance in one lump sum rather than in monthly installments. Most car insurance companies charge interest of around 15% APR (some up to 30%) to allow you to pay your premium in monthly installments.
- Named Drivers – Adding a named older driver to your car insurance policy, i.e. your parents, can save you 10% on your insurance premium. Likewise, avoid having younger named drivers on your policy.
- Car Security – Beef up your car security. Thatcham approved car alarms are recognized by all insurers and most will discount your premium if you have these fitted. If you have a garage then use it. Your car is less likely to be stolen from your garage or from your drive than if it is parked in the street. Insurance companies will recognize this and offer cheaper premiums.
- Buy Your Car Insurance Policy Online – Most car insurance companies offer a discount if you buy online via their web site.
- Be Born Female – Female car insurance is cheaper. Why? Because the average female is a safer driver than the average male. Result, cheaper car insurance for the ladies.
- Shop Around – According to the Association of British Insurers it is possible to save 35% on a car insurance premium by simply comparing several insurance companies against each other. As young drivers such a discount can be considerable. So get as many insurance quotes, online or otherwise, as you can. It will save you money.
9. Grey Import Car Insurance
If you have a car that is not built and designed for the UK market then you must look to a specialist company to provide your car insurance.
In order to classify your car as a grey import it must have no British equivalent. Many of the bigger companies offer this kind of insurance, but its worth checking before you ask for a quote.
Grey Import Car Insurance Guide by Norwich Union
We offer insurance cover for a number of imported cars to provide our customers with the flexible motor insurance cover they need.
Conditions applying to imported cars
In order to take out our grey import car insurance your vehicle must:
o Have been manufactured from 1993 onwards
o You must have either category 1 or category 2 Thatcham security fitted to your vehicle – this will be clarified when you get your quote.
Grey import cars which are not covered
We are unable to provide car insurance for the following imported cars:
- BMW Alpina
- Hummer H1
- Hummer H2
- Isuzu Vehicross
- Nissan Skyline
- Nissan Figaro
- Renault Twingo
- Toyota Altezza
- Toyota Soarer
If your vehicle is made by Opel, you may use the manufacturer name “Vauxhall” to obtain a guide import car insurance quote online.
Most Popular Car Insurance Questions
Do I Need Car Insurance?
Yes. It’s the law. The UK Road Traffic Act legally binds all motorists to take out insurance against their liability for injuries to drivers and passengers and for damage to other’s property. It is a serious criminal offence to drive your car or allow others to drive it without insurance which could land you in prison, especially if you are involved in an accident. The minimal legal requirement in the UK is Third Party insurance, this insures against loss and injury to others. Remember, driving without insurance is a big mistake.
Can I get a quote if I do not have a registration number?
Yes. We know that there are circumstances where you will not have the registration number, for example where you are thinking of changing cars and would like an indication of the likely premium.
Therefore you can obtain a quotation by simply selecting from our list of cars. However, should you decide that you want to buy a policy the registration number will be required.
How many car insurance quotes should I get?
It is always wise to get several quotes from various sources – don’t assume that because a car insurance broker approaches different insurance companies they’ll come back with the cheapest quote possible – there are many different relationships between brokers and insurance companies and premiums DO vary accordingly. Shop around and you may find two different quotes for exactly the same policy from exactly the same insurance provider.
You may even want to approach several brokers and the insurance companies themselves directly. It can’t hurt to be too careful if there is a good bit of money at stake. We would suggest trying at least five different sources.
Why is car insurance for young drivers so expensive?
This is perfectly natural, perfectly obvious and perfectly acceptable. Just going by statistics, young drivers have more accidents and make more insurance claims than older drivers. It goes without saying that insurance companies will up their premiums to reflect this unavoidable fact.
The younger driver will therefore need to think carefully and go for a sensible choice of car – rule out the turbo-charged performance car option, start from a low insurance group and start building up a no-claims record. That, as much as anything, will help to bring down the cost of the premium. Don’t go for body kits and other shiny modifications either – these must all be declared and can add a hefty amount onto the final bill.
They may also want to consider eschewing the comprehensive cover if the car is old and inexpensive – third party car insurance will not cover the cost of the car in the case of an accident but if the car only cost a few hundred pounds in the first place, this is not such a bad deal and will lower your outlay.
Another option is to apply for a limited mileage cover policy. If you only need a runabout for a couple of days a week, this can also save you a fair bit of money.
What Other Ways Can I Reduce The Cost Of My Car Insurance Policy?
At the end of the day the lower the risk of theft, damage or injury then the lower your insurance costs will be. The following are ways which will reduce your insurance bill and keep your low claims bonus down.
Security – Ensure your vehicle is protected with the latest security equipment. Alarm systems, trackers and immobilisers will all reduce your bills. Find out from your insurer what car security products they will offer you reductions for if you install them.
Low Mileage – Work out your annual, monthly, weekly mileage as accurately as you can. If you drive low miles then tell your insurer as your premium will be lower. If you can reduce your mileage you will save money. Anything that lowers the risk of accident will reduce your premium.
Build A Garage – The use of a drive and/or a garage will reduce your insurance bill considerably as it is seen as a major deterrent to vandalism and theft. Garaging your car when not in use keeps down your insurance bill. Similarly, if you have a drive it is best to use it. The lower the risk, the lower the insurance cost.
Learn To Drive – Drive safely. Keep to speed limits, thereby reducing the risk of accidents as well as speeding fines which will push up your premium. The UK Institute of Advanced Motorists offers advanced motoring qualifications which will result in cheaper deals from insurers.
Change Your Address – Where you live affects your bill. The density of traffic and crime rates varies a lot from postcode to postcode and so affects your premium. Unfortunately, inner city postcodes tend to attract high premiums.
Multiple Cover - Most UK car insurers will also offer different insurance services such as home insurance and travel insurance. If you buy different policies from one insurer some firms will offer discounts on your bill. The right combined offer can be more convenient as well as saving you money.
Multiple Cars – Similar to multiple insurance contracts you may save money if you insure your multiple cars with the same company. You may find you will obtain better deals if you obtain single quotes for all your vehicles. If you have more than one car this is also convenient when it comes to paying your bill and obtaining information.
Don’t Modify - Avoid modifying your car if you want to keep your premium low as it will normally lead to an increase in your insurance bill. Check with your insurer before going ahead or seek a specialist insurer to see what alternative deals are on offer. Likewise, if you are buying a kit car obtain advice in advance and consult a specialist insurer. Car clubs are also a good point of contact for advice
Why is it difficult to get import car insurance?
Well, this isn’t strictly true. Where an imported car is kitted out to UK spec, that is, where you would get exactly the same car from a UK dealer as the one you are importing, then there is absolutely no problem. The problems occur when you attempt to get car insurance for a vehicle which was not meant to go on sale in the UK; even when they look very much the same, some manufacturer’s cars are markedly different with regards to components under the hood. From the insurer’s point of view, getting replacements for certain car parts from abroad can be time-consuming and costly; engineers may not be certified or familiar with certain aspects of the vehicles and so on. Naturally this all leads to much greater expense for the insurers and as they seem to prefer avoiding even the faintest possibility of relinquishing more money than necessary, they will be wary of cutting an insurance policy deal in these instances.
Useful Car Insurance Websites
Japanese cars have taken all of the top 10 positions in a new used car reliability survey by independent warranty provider Warranty Direct.
In fact, only four of the top 20 in the 100-strong list of cars aren’t Japanese.
he best effort by a German manufacturer is Mercedes, with its last SLK coming in 25th place.
For full results, visit http://www.reliabilityindex.co.uk. Look out, too, for the new JD Power Customer Satisfaction survey results. We’ll be publishing full results of this survey on whatcar.com in due course, with outline verdicts available online from June 8.
Top 10 Most Reliable Used Cars
- Honda Accord
- Subaru Forester
- Mazda MX-5
- Mitsubishi Carisma
- Toyota Yaris
- Honda Civic
- Nissan Almera
- Honda CR-V
- Toyota RAV4
- Nissan Micra
The best effort by a German manufacturer is Mercedes, with its last SLK coming in 25th place.
For full results, visit www.reliabilityindex.co.uk. Look out, too, for the new JD Power Customer Satisfaction survey results.
Visit our car manufacturer web pages for more information
Auto Trader Review each car under 10 most practical points that highlights the information users need to know to understand car better. Before the 10 points Auto Trader provide some other useful information that you must need to know before running a car on road.
In introductory part you get information on
- Car Specification
- Model Tested
- Price Range
- Car Insurance Range
- CO2 Emissions
- Road Tax information
- Price Range
10 Points Car Review
In 10 points Auto Trader review the car from practicality, performance, reliability and rivalry point of view. Basically Auto Trader 10 point review gives you clear and most practical information about the model. Auto Trader 10 Car Point Review covers
- Looks Inside
- Ride and Handling
- Running Costs
Auto Trader Car Reviews are based on
- Actual Road tests conducted by Auto Trader’s Editorial team.
- So each car review is completely based on practical and actual information.
- Instead of pure technical specification it covers information that users can understand and need.
- Auto Trader Car reviews are purely written for Car Users
- Auto Trader Car reviews also provide links to useful car buying tips and articles.