The cheapest car insurance - what's the big deal?

There is no doubt that everyone likes to save money where they can. No surprise then that services that make it easy to find the cheapest car insurance prices are going to be popular, and they certainly are - price comparison sites are very popular.

But - and this is not a complicated point - the only thing that makes the cheapest car insurance stand out is its price. Any car insurance policy that's cheaper than hundreds, even thousands, of its rivals is not going to be the most impressive of policies in terms of the cover it offers and, when you apply an objective assessment at what you are getting, it, very often, is better left on the shelf.

That so many people buy the cheapest car insurance via a price comparison site without stopping to consider this obvious point is surprising but the desire to save money should not be to the exclusion of everything else, especially an objective assessment of the associated cover that the policy provides.

You do need to ask yourself what you see as essential to have in your policy and if the cheapest car insurance doesn't meet those requirements, don't buy it. You may find that the policy you finally buy is ten, twenty or more pounds more than the lowest price, but it is only sensible to choose the right policy for your needs.

Here, we actually see the appropriate use of price comparison sites to be for a much more restricted group then simply for routine use by everyone. They are best reserved for those drivers that will face high car insurance costs, where compromising on cover is justified by the otherwise high cost of that cover.

These categories include young drivers, those without a no claims discount, those with previous driving convictions, and those living in a high (insurance) risk area - that is where insurance premiums reflect a high incidence of car crime in that area.

For reasons of quality control we otherwise advise drivers to go direct to leading car insurers (as listed below) to be sure of getting good cover as standard every time. Motor Insurance should not be bought on the basis of finding the absolute cheapest car insurance around, it should be bought on the basis of what you consider essential should you need to claim on it.

Whatever course you choose, do take care. The cheapest car insurance often brings later problems if you are in fact involved in an accident.

Homepage

A look at routes to the cheapest car insurance providers

The cheapest car insurance - what's the big deal?