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What exactly is the best car insurance?

Is the best car insurance simply the cheapest-priced cover you can find? Or is it the best quality of cover, the most inclusive policy you can find? Or, in fact, is a better working definition of 'best' that elusive, but optimal, compromise between cost and cover. A 'somewhere in the middle' policy that provides a lot of cover for a very competitive price but which will not be the cheapest quote around, nor will it be excessively expensive. Ideally, it will tend towards the cheaper, rather than the more expensive, end of that spectrum.

We would suggest that the latter definition represents the best car insurance choice in most cases and we will therefore focus mainly on this working definition.

So how do you most effectively identify this best car insurance quote? Well, you can either use a car insurance price comparison site or go direct to a well-known car insurance company (links below). In both cases you must know what your minimum criteria are - you need to know which policy features you must have.

How can you use a price comparison site to identify our (above-defined) best car insurance quote as opposed to simply finding the cheapest car insurance quote? The answer lies in doing the necessary research. Use the insurance company websites when necessary, but make sure that you know what you are getting and avoid compromising too far on cover. Check three, four, even five or more policies as necessary to find that optimal balance between price and cover to meet your minimum needs.

What about going to direct car insurance providers? Isn't there a problem in finding the best car insurance if you don't actually compare prices? Actually, the need to compare car insurance UK prices is much less acute than most people realise. If you limit your investigation of direct car insurance providers to only the market leading companies (as listed below), the very fact that they command large chunks of the car insurance market means that, almost by definition, like for like, you will be getting good value for money regardless of whether or not you make yourself aware of the prices of competitors for similar products.

If you find the last statement hard to accept, you do need to take account of the fact that price comparison sites produce a range of prices because they are comparing very different policies. Were they comparing like with like, then the scatter of prices would be much narrower.

When you recognise and accept the above, going direct for the best car insurance, we would suggest, is, in fact, a good first choice approach for anyone with a desire not just to go for the cheapest quote but to get good cover as standard.