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| 18 June
2010 (source: in-house) Free Car Insurance Quotes All car insurance quotes are free car insurance quotes, are they not? Well yes, but only if you don't buy a policy. When you buy a policy, that purchase is paying for all aspects of the administration of the policy, including the so-called free car insurance quotes. 'So what' you might say. It has to be financed, even if it's supposedly free up-front. But, if it's not really free, in what ways might getting these free car insurance quotes act against the interests of the public? Well, the key point here is where you are using an intermediary - where some form of brokerage is going on - between you and the free car insurance quotes provider. In the past, when people often used car insurance brokers routinely to get them free car insurance quotes, these brokers were well aware of their commissions and would often present a less competitive car insurance policy to the consumer in order to benefit from a bigger commission. Thankfully, the picture is different nowadays, in large part due to the market effects of the widespread use of price comparison sites. Because these services allow consumers to compare prices from 100s of insurance providers, including brokers, any broker that continues to favour his own commisions over value to the customer will quickly lose out where competitors are not behaving similarly. Does this mean that nowadays free car insurance quotes are genuinely unaffected by these commerical considerations? Well, by and large, yes, and this is good for consumers. However, where a price comparison site is owned by a direct car insurance provider, could there be any bias towards 'in-house' policies in terms of the free car insurance quotes provided by such a price comparison site to consumers? What if these systems presented results for their own brand where the price was altered as a result of 'a review' of competing prices to give the in-house brand greater prominence? While such practices, at least in theory, could ocur, if a price comparison site developed a reputation for being uncomeptitive, it would quickly fall out of favour with the general public. Of course in the second scenario above, while the in-house brand would benefit, the pricing to the consumer would remain competitive. In practice, there is probably no need to be unduly concerned about these factors as market forces will always drive down prices. But one way to be sure of avoiding this is to use indendent car insurance comparison sites (such as those listed below) to get free car insurance quotes. car
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