Free Car Insurance Quote at the Car Insurance
Supermarket
All the quote
services to which we provide access here are free car insurance
quote
services. That is to say that you pay exactly the same as you would if
you were to go direct to the car insurer yourself.
Thus, if you use an aggregator price comparison system, that will
generate a free car insurance quote for you. Similarly, if you decide
to go direct, you will also get a free car insurance quote by that
means.
How free is free? In other words, just because there is no added
commission, is there some other mechanism that could be reducing value?
For example, do price comparison services automatically present you
with the cheapest, albeit free car insurance quote? What if the site
chooses to increase profits by presenting the companies that pay them
more for sending customers their way? What if brokers behave similarly?
And what about sites like this one? What if they were only to list
those services that pay them the most rather than offering the best
range and value for consumers?
While the above questions can all be answered in a way that mitigates
against the best possible value to the customer for the free car
insurance quote he is given - and such practices do go on - it must be
remembered that the UK insurance industry is extremely competitive. The
effect of this is that if you provide a service that is overpriced,
your business will be severely effected. Therefore, every operator is
keenly aware of competitors' pricing and tries to match or beat them.
This commercial reality has become increasingly imperative with the
widespread use of price comparison services by consumers for a free car
insurance quote.
Paradoxically, it is because of the popularity of comparison services
that going direct for a free car insurance quote has become a better
option recently. Why? Well, the large companies know that if they are
to compete favourably on price comparison sites, they need to provide
value products. Consequently, the major insurers are now much closer on
price than they used to be and this frees up the motorist to go to a
leading brand of their choice knowing that they are usually getting
better cover than the cheapest free car insurance quote provided by an
aggregator, but not with an inflated premium.
You get what you pay for, of course, and this is why companies such as
Direct Line have decided not to compete on price alone; hence their
decision not to participate with price comparison sites. Certainly,
their standard policies are better than the cheaper paired back
policies that top the aggregator charts. It would appear that consumers
agree with this approach as Direct Line remains the biggest single
insurer in the UK.
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