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23 April
(source: in-house)

Compare Car Insurance Quotes

It's the way that most choose to select their motor cover in the UK. They use a price comparison system to automatically compare car insurance quotes for them.

It's easy to understand the popularity of these quote aggregator systems. They are very powerful tools. It really is quite impressive that after filling in your details just once, you can get many hundreds of prices in just a few seconds.

As a result of this inherant powerfulness, there's no disputing that they are an ideal way to save money when you compare car insurance quotes through them.

The difficulty with them, however, is there mono-dimensional approach. Some of these sites do offer some policy features information but basically results are displayed from a price perspective.

If your intention is to identify the cheapest price around, then there is no better way to compare car insurance quotes from so many companies and, if we cannot persuade you via our discussion below that always selecting the cheapest cover is a false economy, then you truly will get the best service to meet your needs if you compare car insurance quotes with a price comparison site.

However, to uncritically compare car insurance quotes simply to select the cheapest is a high risk strategy that is ultimately self-defeating. Even without much understanding of the insurance market, it should be obvious that when you pay less, you get less cover.

To reduce their costs and compete more effectively on these price comparison platforms, insurance companies have to develop increasingly more paired back policies that are not just 'no frills' but extreme variants of 'no frills'. They also have to push up the excess payment to reduce their costs.

While many may not see this as sufficient cause not to use a price comparison site to compare car insurance quotes, it should, at the very least, alert those using these systems to be cautious and to check the polciy features in some detail before comitting to a particualrly cheap policy.

We doubt that amny people generally apply this level of care when using aggreagators to compare car insurance quotes, but there is no disputing the necessity.

Unfortunatley, as eluded to above, these sites are not strong on providing that level of policy detail. Hence, there is often a need to visit the insurer's own website if you're muddled about exactly what you're getting when trying to compare car insurance quotes from the persective of their associated cover rather than just price.

All of this does tend to bring us to the conclusion that going direct to a top insurance provider (we list several below) where the standard cover is usually good, could save time, build in better quality control and need not cost more given that like polcieis in a competitive market are closely priced.