Take the mystery out of car insurance with our beginners’ guide, then compare policies and cheapquotes to find the right deal for you. … Insurance is a legal requirement; You’re responsible for answering any questions relating to your application honestly; You must inform your insurer of changes in circumstance .When it comes to finding the cheapest car insurance there are some factors that you can control that will influence your quote. Read on to find out which … Your age. Young drivers are statistically more likely to have an accident and make a claim, and therefore have to pay higher insurance premiums. Your driving record.