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The online car insurance quote - is comparison essential?

In the UK, many people get their online car insurance quote indirectly nowadays, via a price comparison site or system. They see a car insurance comparison as the best route to low cost cover.

Price comparison sites are certainly powerful tools to identify the cheapest motor insurance in the UK, but is it essential to compare car insurance to get a good deal? The answer depends on your own particular point of view.

Where you want to buy motor insurance at the lowest possible price, then, yes, getting an online car insurance quote through a system that lets you compare loads of quotes at once ensures that you find the cheapest car insurance. However, there are numeorus low quality car insurance policies out there that may feature well on price comparison sites due to their low price but which are, arguably, risky products to buy because cover is limited and often the excess is high.

In fact, a case can be made for going for a direct online car insurance quote instead as your first line approach to find good car insurance deals. How so?

Well, it's all about the simple reality that you pay for what you get. If you want a cheap policy, you sacrifice a lot in terms of cover. We see it as a better choice to go direct to a leading UK motor insurer where quality cover is built into their standard policies. And as leading car insurers, you know that they are competitively priced to occupy this position in the market in the first place.

It's a myth that the only way to get a great price for an online car insurance quote is to compare numerous prices. Routine market effects mean that market leaders are competitive when you compare similar policies.

The reason that price comparison sites may create the impression that this is not the case is because they compare very different policies, which, not surprisingly vary considerably in price.

When you compare like with like, that gap closes right down in a competitive market like UK car insurance. Indeed, it's just about the most competitive insurance market anywhere in the world. The reasons for this are various, but basically relate to the UK being a world-leading financial centre. And that competition is good for consumers whether you choose to compare car insurance or not.

So, if you want to get a good online
car insurance quote without paying too much, going direct has much to recommend it. Have a look and see for yourself!


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