Discount car insurance - direct or price comparison?
Everyone seeks discount
car insurance and for many, perhaps without realising it, it is at
any cost. That is to say that when price is allowed to trump all other
quality considerations, it becomes a high risk way to buy discount car
insurance and certainly cannot be recommended.
What is a more sensible approach, then? Well clearly if you don't check
the discount car insurance policy you're getting, you won't know what
it includes or excludes. Most price comparison sites have 'no frills'
type policy providers in their panels of car insurance
companies and
these, by being cheap, will often feature in the top ranking positions
of the results generated by price comparison sites. You certainly need
to know what's missed out of these policies. Buying blind is not an
option. And it can be difficult to find out except by visiting each
specified insurer's own website.
What this means in practice is that although you may want discount car
insurance, if you also have certain essential policy features in mind,
you may need to check a lot of policies directly with their providers
when using a price comparison site to find what you want.
And that's why our title question is not the 'no-brainer' it may seem.
Yes, you can get discount car insurance from a price comparison site
but when you start investigating what you're actually getting then the
'at any cost' point in the opening sentence here begins to come into
play rendering selecting from the cheapest quotes a choice of
questionable sense or validity.
The more that you build in a quality requirement to your cover, the
more that you then move away from routine use of a price comparison
site and towards using a direct discount car insurance provider. The
latter, if it's a leading car insurance company as listed below, offers
good cover in their standard policies and, with online reductions and
competitive pricing, you can anticipate an attractive discount car
insurance quote from them, whether or not you make yourself aware of
other like-for-like prices.
Thus, and we know it's contrary to the views and attitudes that lead to
most people getting their discount car insurance through a price
comparison site in the UK, but we would suggest that, very often, going
direct to a top car insurance company is a better approach as it is a
convenient and effective way to include an acceptable level of quality
control.
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