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| 10 April (source: in-house) Car Insurance Specialist From one perspective, a car insurance specialist provider is a relatively rare beast. Most insurers offer insurance services for more than just cars. Indeed, arguably, none of the largest providers can be seen as a car insurance specialist thus-defined, despite the fact that these are the very providers that we recommend for routine use (links below). However, as well-established operators, they have plenty of experience of providing car insurance specialist services, so, in that sense, they can be seen as car insurance specialists and, for the purpose of this article, we propose to coneptualise them in that light. Why, then, do we recommend going direct to a car insurance specialist for quotes when so many favour the car insurance comparison site as a good way to quickly compare car insurance quotes and to save money? The answer is simple. A direct car insurance specialist provides the kind of cover that we would recommend - that is, the kind of cover that most would want if they need to claim on their policy. While generally aware that low cost means thin cover, the UK public seem happy to disregard this to save money on their quotes. They then parade happily to the abyss of very minimal cover seemingly aware of their demise but delighted that it didn't cost them much. The direct car insurance specialist offers an alternative route. The quote form is easier to fill in than that of a price comparison system. The policy features are available and readily to hand. The 'standard' cover is usually well-worth selecting. The pedegree of a well-established brand that trades partly on customer loyalty and satisfaction has earned such a reputation via an appropriately reassuring track record. Also, the direct car insurance specialist offers attractive deals, discounts and offers that can be appealing. In addition, there are car insurance specialist services for young drivers, multi car owners or women drivers, all of which are available via our direct listings (below). If there is a drawback to going direct to a car insurance specialist, it's the loss of the chance to compare car insurance quotes from numerous providers as a price comparison site can do. At first sight, this may seem like a major drawback. Certainly, the majority see it as such and that is why price comparison sites are so popular. But, there's a fact about market forces of which everyone is aware but which they choose to disregard when buying car insurance. Any large operator in a highly competitive market must watch competitors prices like a hawk and match or beat them. And so it is for the car insurance market. Thus, as long as you go to a large brand, you should not be over-conerned about comparing prices. It's much more important that you select the cover that you want from your chosen car insurance specialist rather than that you get too anxious to compare quotes. In the latter case, you will quite probably end up with an inferior product. car
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