Car Insurance Rates from the Car Insurance UK Supermarket

To determine the car insurance rates for your motor car, you broadly have two ways to go, one or both of which you can pursue.

If you want to check 1000s of car insurance rates, the only way to do this is online via a price comparison site, which is also known as an aggregator service. We list several above which you can click through to if you so wish. The top one is the most favoured choice of all here, which has been the case ever since we added it to our direct services some years ago. Its continuing use by return visitors here would suggest that people are pleased with its ease of use and the cost-savings it provides.

If you are less concerned with checking lots of quotes but are more inclined towards identifying quality cover, than going direct to a leading insurance company to check their car insurance rates is a good choice. The industry is competitive and this drives down prices. The leading brands rarely differ hugely on car insurance rates nowadays when comparing like for like. This, funnily enough, is partly an effect of these companies trying to out-compete each other on price on aggregators. This consumer value effect, of course, remains even when you go direct.

Those interested in knowing what they are buying, that is, exactly what their policy includes and excludes, can struggle to get the information they need in sufficient detail from an aggregator. This is not a reason to chance it, however, and proceed in ignorance with the cheapest car insurance rates you can find. Those policies with the cheapest car insurance rates have to leave some things out to reduce prices. You need to know what. Go to the company's website or even make a call if you are in doubt. Again, if you go direct, you can get all the information you need online as the full policy schedule can be scrutinised.

In our view, perhaps because price comparison sites are so heavily promoted, the nation, almost without quite noticing it, has bought into the myth - because that is what it is - that price is the only important consideration in making your selection. In their defence, albeit largely driven by the insurance regulator, the FSA, which has been looking into this, recently price comparison sites have tried to redress this balance somewhat by working harder to help people determine how well the policies generated match their requirements.

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