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| 26 April (source: in-house) Free Car Insurance Quote In as much as you don't pay to get it, any online car insurance quote is a free car insurance quote. Thus, when you fill in a quote form on a price comparison site or you use a direct insurance provider's quote form, until you buy a car insurance policy, you're getting a free service. Once you buy your policy, of course, a proportion of your premium funds the 'free' quote service you just used to find it; but this, naturally enough, is an unavoidable cost. And, if you do it online with no insurance company employees needing to be involved, then the cost savings from this can be passed on to the consumer. There is a bigger question, however, as to whether a free car insurance quote is ever really free. In the old days, when people relied heavily on car insurance brokers to find them low cost car insurance, these services did provide, on the face of it, a free car insurance quote. But, there was nothing free about it as being commission-funded, brokers would allow a larger commission to take precedence over value to the customer. Thus, paying more for a policy that was known to be less competitive but which was associated with a higher commission was the real cost of a free car insurance quote in the days before the widespread use of price comparison sites. So, is it different now? Are you getting closer to a truly free car insurance quote nowadays when you use a price comparison system? Is it now a genuinely free car insurance quote that's unaffected by the commission or any other effects that could mitigate against it being truly the best price for the consumer? Well, yes, it is better now. While price comparison sites rely heavily on car insurance brokers (as well as individual insurance companies) for your free car insurance quote reports, if these brokers were to behave in an anti-competitive manner and not present their best prices, they would easily be out-competed by rivals. Any 'slack' in the system that would allow a broker to claw back a bit more on his commission at the expense of the customer has, for all intents and purposes, been eliminated by the market dominance of price comparison sites for a free car insurance quote. There is another factor here, however, that merits examination. If the price comparison site is owned by an insurance brand, as the UK's largest is, could that influence the quotes presented to you? Own brand sales will make much more money for the company than simply commissions from sales of rival products. It would, of course, be somewhat self-defeating to market a service as a price comparison system yet to then weight your listings in favour of your own products and in so-doing potentially reduce value to customers that are well able to move over to a fully independent rival price comparison service for a more truly free car insurance quote. best
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