How best to find car insurance UK online

It's big business. Just about everyone uses insurance services of one sort or another. And competition between insurance providers is intense, which benefits consumers. In fact, car insurance UK is one of the most competitive markets of any financial sector, worldwide!

What are the implications of this? Well, for a start, the UK obsession with always choosing to compare car insurance is misplaced. Normal market forces see to it that for similar car insurance UK products from the leading providers, prices vary little. To command large shares of a competitive market, you have to provide value for money; so, actually, when you take the time to compare like for like policies (which price comparison sites do not do) this can be demonstrated.

The point here is that if you buy cover from leading car insurance UK providers - that is, if you go direct to them as opposed to finding quotes via a price comparison site - you should not assume that you are paying too much for the cover you get, just because you don't have lots of other prices to compare.

But surely it makes better sense to get the best deals through a price comparison site, doesn't it? Actually, no. Here's why. All the best car insurance UK results generated by a price comparison site are (by definition) clustered at the budget end of the spectrum. If you are looking for a bit more from your cover, price comparison sites don't make it easy to find such policies or to compare like with like if you do.

Should you have a desire for more than a basic level of cover as standard - something we would always advise - going direct to market leading car insurance UK companies becomes a better choice. Not only do you get a quality product, you get all the policy information you need, the reassurance of a household name brand, and the market-driven reassurance that the price you pay for the level of cover selected will be competitive as, by commercial necessity, it will be the going market rate for that type of cover.

If you're not convinced, why not use both systems - do a car insurance comparison and get a direct car insurance quote too (for example from M&S, our most popular direct car insurance UK provider). You can then decide whether or not paying a bit more is warranted when you see what you're getting for each respective price.

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How best to find car insurance UK online