This is one of our '10 common mistakes when buying car insurance' series. The other articles in that series can be accessed via the box under this article.
Mistake #10 Overlooking the utility of direct car insurance companies and brokers
The idea that you must compare car insurance quotes when you renew your policy is incorrect. Routine market forces ensure that if you go to a leading car insurance company or broker, the market itself makes sure that you will pay only the market value or price for the insurance product you select.This frees you up to pay attention to what you're actually getting for your money - the associated cover - and to use that to determine your choice of policy.
Despite the relative lack of popularity of this route to cover, it therefore is a good choice to look through some of the top car insurance providers to see what cover they offer as 'standard'. It's invariably the kinds of things that people want, such as alternative transport arangements if your car is off the road. The low cost policies that top price comparison charts leave out all but the core essentials of car insurance and won't provide this level of cover.
It's then a relatively simple matter of reviewing policy details on the insurer's website as necessary, filling in a simple quote form and then proceeding to completed policy purchase in a matter of moments. Direct car insurance company's quote forms are simpler than those used by price comaprison sites as you only need to provide one data set.
There really is no need to agonise over the lack of quote comparisons, you won't pay too much if you select from market leaders.
Other reasons to go direct include where a direct insurance company offers a tailored product for a specfic group, for example, women car insurance. Another is where a particular brand is offering an attractive promotion or discount. there are always special deals available direct, as, when you use the same insurer for multi-car insurance.
