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How to make a good choice when you purchase car insurance

What constitutes a good car insurance choice for one person, may not be seen as such by a second. Such differences have as much to do with people's own favoured buying preferences as they do any objective considerations.

In particular, people's attitudes as to how much they should allow price to determine choice vary. If you look at the high popularity of price comparison services, then clearly, getting cheap car insurance is the key objective for most, with the type of policy they are getting featuring less prominently in that choice.

For others, a smaller group, good standard cover is important and such individuals are less likely to buy the cheapest car insurance identified by, for example, a price comparison site.

Given these considerable subjective variations in how people choose to get car insurance in the UK, what objective points might be made to assist poeple in their choices?

Well, the most important thing is to check out the car insurance policy carefully. Know what you're getting before, rather than after, buying. If you select a very low cost policy, are you happy with what's left out? Does it have a very high voluntary excess and if so are you happy to pay that amount if you have an accident? Taking account of your own needs, what's not there that you really need? Or indeed, what could you do without to reduce the price?

There's nothing to stop you consulting an insurance company's own online resources for more on the car insurance policy where a price comparison system doesn't give you what you need. Given that you very often will need to do this, the more that you want from your policy, the less efficient a price comparison site is as the top-listed prices are associated with more basic policies given their low cost. Thus, you will have to check numerous policies to find the right one that meets your minimum needs. Under such conditions, it does beg the question whether going to a well-respected direct car insurance provider is a more helpful choice.

Briefly, then, reasons to use a price comparison site include:
  • where you are genuinely on a very tight budget and are willing to accept the risks that come with the no frills cover associated with the very cheap car insurance quotes
  • where you are keen to take a pragmatic approach to what you actually must have in your policy (to reduce your insurance costs) and are willing to check out the policies associated with the listed quotes, accepting that the cheapest few quotes might well not meet your needs
  • where you are expecting a high premium (as with the young driver or a driver with previous convictions, for example) and are willing to make a practical choice to avoid excessive costs
Reasons to go direct for car insurance include:
  • A clear 'quality agenda' where finding a competitive price is important but where good standard cover is essential
  • Attractive current direct promotions from established car insurance brands
  • Special groups seeking tailored products as with the female driver or multiple cars owner

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