Looking for cheap but trustworthy car insurance can be a difficult task, so we spoke to Gocompare, insurance comparison site who explained why it can be expensive for some areas on Merseyside.

Gocompare ran some example quotes for 'safe risk' and 'typical' drivers in Merseyside and found that there was some variations in the premiums quoted.

They used a three-year-old Vauxhall Corsa with a 1.4 litre engine, manual drive and five doors as an example car for a driver with no claims or convictions against a driver with a speeding conviction, three points and a fine.

It found that both safe risk and typical drivers in Liverpool city centre would be paying 33% more on their car insurance than those living in the second highest paying area in Merseyside, Sefton.

City centre drivers could find themselves paying as much as £1055.87 even if you have received no claims or convictions on your licence for 10 years.

Cheaper areas to insure your cars on Merseyside include Wirral at £642.89 and St Helens at £636.71 for 'safe risk drivers', with only a few pounds difference for 'typical drivers'.

The reasons why those living in or near the city centre are paying much more in insurance is because it is considered that those living in built-up areas are at a higher risk of having an accident.

Other factors that could potentially contribute to higher premiums by postcode include vehicle crime rate, uninsured driving or attempts at 'crash for cash' fraud in that area.

So if your postcode falls into a higher insurance bracket it is difficult to find the best deal.

Matt Oliver, spokesperson for Gocompare car insurance said: "Your postcode is one of the things that can help them understand the likelihood you making a claim. So using a comparison site to obtain quotes from a number of different insurers could help you to save money on your car insurance.

Safe risk driver

These quotes were ran based on a 'safe risk driver' who has had 10 years of no claims or convictions.

City Centre: £1,055.87

Sefton: £702.40

Knowsley: £655.45

Wirral: £642.89

St Helens: £636.71

Typical driver

These quotes were ran based on a 'typical driver' who received a speeding conviction in the last five years, three points on their licence and a fine.

City Centre: 1,057.18

Sefton: £706.87

Knowsley: £658.56

Wirral: £653.61

St Helens: £641.50

Here are some common questions asked by drivers when looking for the right car insurance:

1. Is there a discount for any security features?




3. Will adding another driver from my household save costs?




5. What's the price of comprehensive vs third party?

You should check the cost differences between third party and comprehensive.

It might not make financial sense to pay the difference because of the value of your vehicle.

For example, if your car is a banger, there’s little point in having comprehensive cover - you should only pay for the cover you require.

Enter your details into Gocompare.com to see how much your insurance would cost.