Are you paying for a higher level of cover than you actually need? You can build your quote with the level of cover appropriate to you, you simply have to decide: How much excess you'd like to pay in case of making a claim. Whether you'd want your legal expenses paid if you have to go to court after an accident. If you want to pay all in one go, or spread the cost by paying in instalments. Remember, if you pay for your Egg Motor Insurance with your Egg Card you get 0% interest for up to 12 months, 16.9% APR typical variable, on your premium.