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| 7 April (source: in-house) Cheapest Car Insurance Quotes The cheapest car insurance quotes are to be found via a car insurance comparison site. Few would dispute that. But some might dispute whether buying those policies associated with the cheapest car insurance quotes is a wise choice. Certainly, we would, and what follows are some of our reasons. The most obvious reason to avoid the cheapest car insurance quotes is that they, by necessity, have to be associated with thinner cover. They're very much in the 'no frills' camp and you can usally expect a higher excess. Cheap only remains cheerful until you need to claim. When you claim, you soon realise that to keep the premium cheap, the car insurance provider has passed significant costs back to you. If you're happy to take your chances on not needing to claim in order to save money on the cheapest car insurance quotes, at the very least, you should still check over the policy features before purchase; so that you know what you've decided to accept in terms of those costs that you will need to meet yourself. A related problem when you select the cheapest car insurance quotes is the effect of the success of car insurance comparison sites on the nature of these policies. The more that people use these services, the more that car insurance companies are obliged to compete for business via them. They compete by dropping their premium which they can only do by thinning the cover. Thus more and more of the cheapest car insurance quotes are associated with policies that even their providers would admit (if willing to go public on such a matter) are a poor choice from a quality perspective. A case can still be made to use a car insurance comparison system if you so wish, but we do counsel against choosing the cheapest car insurance quotes for the above reasons. In point of fact, we believe that people pay inadeqaute attention to the policy features when they use these types of services, being overly swayed by the opportunity to save money on their car insurance renewal quote. While it may not be the route to the cheapest car insurance quotes, going direct to leading car insurers cetainly offers some personal control over the quality issue, something that we feel justifies much greater use of direct car insurance services than is usual among UK drivers. If you remain unconvinced by these arguments, go ahead and buy one of the cheapest car insurance quotes that you can find. But you'd better cross your fingers and hope that you never have an accident. car
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