CAR INSURANCE SUPERMARKET
Car
Insurance Buyers Guide:
Most
people in the UK use a car insurance comparison system to find their
car insurance. Many will select the cheapest quote without checking
over the associated cover. This is not to be recommended, however, as
the cheapest-priced car insurance policies are very much 'no frills'.
That is, they are paired down with much left out to reduce their cost.
While you may be willing to buy one such car insurance policy, buying
it 'blind' to what you are getting could lead to later problems as you
may need to pay more than you expected yourself in the event of an
insurance claim. The answer is to check over the car insurance policy
cover carefully. Ideally, you should review all the inclusions and
exclusions before making your choice. This can involve checking a car
insurer's website directly rather than relying on summarised data alone
from a car insurance comparison site. It's not a step to omit, even
although research of this type can involve checking out several car
insurance policies before buying.
In
fact, if you're looking for good 'standard' car insurance cover that
will serve you well in an accident, going direct to a leading car
insurance provider has its merits. The market-leading car insurance
companies watch their rivals' pricing closely, consequently the top car
insurance brands are invariably close on price for like policies.
Because of this, the need to compare car insurance prices yourself via
a one-form car insurance comparison system is actually less important
than many believe. Even if you don't scrutinise the policy too
carefully, if you buy direct from a well known car insurance brand, you
can anticipate a better level of cover as leading car insurance brands
compete on quality of cover as well as price. If you want to see what
sort of cover you get from some of the top car insurance companies, you
can use our links above to find out more.
If
you are in a high risk group such as the young driver, the new driver
or a driver with previous driving convictions, then you may struggle to
get cheap car insurance quotes. Clearly, if you compare car insurance
from 1000s of providers, that will help; as will having a pragmatic
attitude to what you have to have in your policy. Another measure is to
buy a low car insurance group car (less than 10 is best - that's in
relation to the Thatchem car insurance groups 1-50 rating, which
replaced the old car insurance groups 1-20 rating system). Young
drivers may wish to add an over-25 year old to their car insurance
policy as a second driver; improve their in-car security with a
Thatchem approved device; improve their security when parked - the best
arrangement being garaged overnight. Other steps include, if possible,
to cap the annual
mileage; avoid car modifications that could increase the premium; and
even take an advanced driving test to render themselves a lower car
insurance risk.
Some
car insurance brands offer direct customers special deals that you
won't get if you find your car insurance via a comparison site.They
also tailor their policies for specific groups, for example, multi-car
owners. These are further reasons to consider going direct.
We
would suggest that people consider their policy features carefully in
advance of buying car insurance. This includes knowledge of the excess.
While price is important, it should not be allowed to trump all quality
of cover considerations. By all means, go cheap, but know what you're
getting. The cheapest quote may not always be the best choice.
Special groups - our
recommendations: (You'll find links to all of the
below-recommended insurance services above)
Young Driver Insurance - Check Endsleigh (specialist young driver car
insurance broker) and/or Moneysupermarket (car insurance
comparison site)
Women Car Insurance - Check Tesco
(women-only specialists were dropped by us as they were not being used)
and/or our in-house
quote
comparison system from Quotezone.
Multi-Car Insurance - Admiral provides a tailored
package.
General Car Insurance
- While we constantly revise our panel of car insurers according to
their performance - with the effect that all of those that we list are
worth considering - you may find it useful to know that our current
most popular choices are Tesco (good cover at a low
price) and Moneysupermarket (cheap)
Checklist of some useful
questions to consider when you buy car insurance online:
What size is the excess? Is the no claims bonus protected? Is legal
cover included? What courtesy car or hire car arangements are there? Is
breakdown cover included? Is there a 24 hour helpline? What's
excluded from the cover? If I have an accident, will this cover be
adequate for my needs?
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CAR INSURANCE QUOTE
Tips on how to use
this site
- If you want the cheapest car insurance quote available and are not
concerned about the limited cover associated with the cheapest
policies, then you should use a car insurance comparison site to get a
cheap quote. If you are looking for a good balance between cost and
cover, that is, you want reasonable cover as standard and at a keen
price, then going direct to a top car insurance provider is a good
choice. There is no need to accept the first quote you see, of course;
although there is no reason not to do so if you are happy with what you
find. We offer plenty of choices here for you to quickly get what you
want, even if you aim to check several car insurance providers and/or
comparison services. If you use this site in the way it's intended, you
will be able to get your car insurance without needing to search
elsewhere, so saving you time. Checking out the three drop-down menus
at the top of this page quickly shows that we've included more than
enough for everyone. With us, you can expect to get the right cover at
low cost. It's all here.
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CHEAPER CAR INSURANCE
...Since 2005. In fact, we've been
delivering cheaper car insurance to people in the UK for longer than
most of our rivals. During that time, we've constantly refined what we
do to enhance the car insurance buying experience for those using this
site. As people often return to buy their car insurance through us next
time around, it would appear that they are finding the quotes they want
easily via the resources we provide. And, as it's all conveniently
located in one place, it needn't take long to get the job finished.
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