8 April
(source: in-house)
Car Insurance Quotation
It is usual practice in the UK for most drivers to
go to a price comparison site to get a cheap car insurance quotation.
There is no other means to compare car insurance from so many companies
and brokers with so little expenditure of time and effort. Nor is there
any other way to stand such a good chance of finding just about the
cheapest car insurance quotation
around.
Thus, from a price perspective, these services stand alone.
Consequently, if getting a very cheap car
insurance quotation is your wish, you know where to go - it has to be a
car insurance comparison site every time.
While these services may stand alone on (low) price, it cannot be said
that they stand alone on helping you to easily get hold of a car insurance quotation that's linked to a quality
motor insurance product. Their focus on price, despite their various
efforts to inform you about policy features, precludes this for all
practical purposes.
What this means in practice is that going direct to a good insurance
company with a substantial market share for a car insurance quotation maintains its merits. Even a cursory browse through
some of the top car insurers that we list here (links below) shows that
these car insurance providers tend to offer good cover - the sort of
features you might want in an accident. These providers are not overly
obsessed with car insurance
quotation price cutting at the
cost of providing a practically useful level of cover. As
well-established providers, part of their brand popularity relates to
offering a quality product.
In our view, price comparison systems fail to support adequate quality
control when you get a car
insurance quotation through them.
They're great at the budget end of the car insurance market, but they
don't easily support and thus don't readily encourage seeking out a
better level of cover. Going direct does and, as long as you stick to
the market leading brands, there is no reason to suppose that you will
end up paying an uncompetitive rate for the policy attached to any car insurance quotation obtianed via this route. It
may be a bit more expensive than the rock bottom price found on a
comparison system, but when you compare what you're getting, in most
cases the direct insurer has the edge.
It seems to us that people tend not to think through the potential
effects of buying too cheap when they are attracted to a very low cost car insurance quotation. Taking account of the above
issues, we would advise people to think again before simply purchasing
the cheapest car insurance cover they have found through a car
insurance comparison site.
|