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Best car insurance comparison sites 2020

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Anyone who owns or drives a car needs insurance coverage in the event of an accident, or if the car is damaged or stolen. And those rules don’t change during lockdown either. Just because you’re driving to the supermarket doesn’t mean you can do without a policy.

Practically, making sure you get the best deal on your auto insurance is something you can do from the comfort of your own couch. Insurance comparison sites have gotten better and deeper in recent years, with the promise of saving hundreds of pounds.

Most only take 10-15 minutes to provide your data before providing a list of quotes, all with their individual pros and cons. Some of the larger insurers – such as Direct Line and Aviva – don’t appear on these sites, so you’ll need to get a quote directly from them, but most of the larger companies do.

And remember, insurance isn’t just the cheapest policy, it’s the coverage that’s right for you.

How we tested them

Our test subject was a 40-year-old father of two from Oxford, driving a 2015 Ford Focus 1.5-litre diesel with no convictions or penalty points. We tested eight sites and were looking for easy, fast but accurate form filling, good consumer advice on policy elements, the ability to filter out extras such as breakdown cover and a large number of quotes to reasonable prices.

Verdict

In truth, there’s not much to choose between the top players, each returning nearly identical quotes. But the previous Compare the Market winner retains the top spot thanks to its practical explanations – ahead of Confused and MoneySuperMarket.

  1. Compare the market
  2. Confused
  3. MoneySuperMarket

Comments

Compare the market

Not much has changed on Compare the Market over the past few years, but that’s not a bad thing. Our multiple test champion wins again thanks to his easy-to-use form, which includes really useful tips and tricks on what each item means and how it affects your premium – a real bonus for anyone not aware of insurance. Icons and images help make the whole process even more user-friendly.

The results are impressive, registering the lowest common premium, while quotes can be easily filtered by optional extras. There is also the bonus of 2 for 1 movie or meal tickets if you take out a policy.

Confused

Confused is a very close second to Compare the Market, and some will even prefer the design, which doesn’t feature the cluttered dark blue color scheme of its rival.

The questions are well laid out and intuitive, and it’s one of the few comparison sites to offer a dash cam question in an effort to help lower your premium. The results are on par with all the big players, and quote filtering has been improved since our last site test. And, just like Compare the Market, there are sweeteners if you take out a policy: pizza delivery and TV subscriptions.

MoneySuperMarket

An interface and design overhaul catapulted MoneySuperMarket up the rankings and onto the podium here.

The outdated design and drop-down menus that we found tricky last time around have been replaced with a clean user experience that features a nice “tick” system to indicate completed entries. The question flow has also been significantly improved, while its prize delivery matches that of its rivals. The results page is one of the best around, with good filtering and a table to show what extras are included, and the ability to find out more.

GoCompare

We like GoCompare for two neat tools that other rivals can’t match: an in-depth valuation feature to accurately calculate the price of your car, and the ability to add your renewal price to allow insurers to match it or to improve it. Overall, however, GoCompare is a shade behind its rivals, with a less intuitive data entry process – although we’re fans of the explanatory notes for each section.

The results were on par with its rivals and the insurer’s rating was welcome. If you take out a policy through the site, there is currently a £250 free excess offer.

uSwitch

uSwitch uses the Confused engine for their car insurance, so the results in terms of price and filtering options are identical to the more well-known site. However, uSwitch is more basic and less graphical, relying on many short pages to help you navigate the process. For some, the less polished nature will help with simplicity, and we like its option to say if you have a dash cam to help lower your premium.

During our test, although offers were available to switch phone contracts, there didn’t seem to be a reward system in place to match Confused for car insurance, so we wondered why you wouldn’t use simply its sister site.

Quote area

Quotezone is less intuitive than its rivals, with fewer handy clues as to why the questions asked may impact your premium. The overall design is less pleasing and there are drop-down menus which can feel a bit heavy compared to other sites. Prices appear a bit slower and when they do they are usually higher, although extras and excesses are clearly marked.

One of the standout features of this website is the ability to compare four policies at once on the results page. We’d love to see that on others.

Money Specialist

The order of questions used here isn’t as straightforward as some of Money Expert’s rivals, and the use of drop-down lists and a few charts makes this job a bit harder to pull off. It uses the same quoting engine as Quotezone (QZ), so the results and bonuses are the same, which is not good news as they were among the highest in testing. Each policy offer comes with a brief sentence to explain and highlight the best parts of the deal and why you should consider it.

Unfortunately, however, QZ’s handy policy comparison feature is missing.

Mustard.fr

The only new entry in this year’s test is Mustard, and its performance is marred by its prices being the highest here.

The form-filling process lacks a lot of design, but it’s condensed so you feel like you’re completing it quickly, with very few screens. There is less flexibility due to the use of some drop-down menus rather than free entry, and this includes our voluntary deductible options, which could explain the higher premiums. There’s no filtering on the results page, but the nice color-coded system for extras makes it very clear what you’re getting.

Want to save money on your car insurance? Then read our dedicated article on how to get a cheaper quote.

Auto Express has partnered with Quotezone to bring you our own car insurance comparison tool, you can get your quotes here…

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