Tips to find best car insurance around
Feb 26 2010 By Mary Barabe
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If you want car insurance that gives you cover at the right price, it’s quite obvious but the best way to find it is by shopping around.
Thousands of motorists receive their annual renewal and just carry on with their payments without taking a look at other deals, leaving themselves open to missing out on some financial savings.
The most common way to shop for car insurance nowadays is to use a price comparison website. Instead of spending days on the internet trawling through individual insurance websites or on the phone to brokers, this is the easiest way to get all the information you require in one place.
You’ll only need to enter your details once and the site will search through hundreds of insurance providers to get you a competitive quote.
In this way you can ensure you have all the cover you want at a price that suits your circumstances.
On the plus side you will always save yourself time. The majority of comparison sites have access to most of the UK insurance marketplace, and you can retrieve quotes 24 hours a day, seven days a week.
The only real downside is that if you have any questions, it is not always easy to get an instant answer, although many sites have a frequently asked questions section, where you may be able to find the information you are looking for.
If you have the time and are so inclined, you can phone individual insurance companies and get quotes over the phone. Any queries you have will be answered immediately and if you require bespoke insurance, for instance with a modified vehicle, then this will be considered on a case-by-case basis.
The drawback here is that it can be very time-consuming and if you need cover quickly you might not be able to get it as fast.
You will also only get one quote from each company, so it limits your choice and options for comparison. Furthermore, you may have to sit through a sales pitch and will be restricted to looking during the insurer’s working hours. The internet has changed the way we shop and when we try to find best car insurance deals, it is no different. A vast number of companies have their own websites where you can complete a simple form and get an instant quote. Not only will you avoid being subjected to an aggressive sales proposition, but also you can get a quote at any time of the day when it suits you best. Be aware, though, that you will have no comparison to make against other insurance companies and it can take time as well. If you prefer a more traditional approach when renewing your motor insurance, you may want to visit a high street broker. Should you prefer the more personal touch, and should you have enough time and energy to do so, you will find many insurance brokers out there who will search for the perfect quote for you. The advantage with a broker is that you will get immediate answers to your queries. Where perhaps a different level of cover is required to suit a certain type of vehicle, each case will be considered according to its individual circumstances. Brokers will also compare a number of different insurance providers on your behalf, but, again, this can take a long time and also means you are restricted to only getting quotes from those companies they deal with. Regardless of which way you get a quote, the cheapest one is not necessarily the best one for you. Although we all want to pay as little as possible for our car insurance, it is not worth paying less to the detriment of the level of cover on offer. For example, if you use your car for business purposes, you will need to ensure your policy offers you a courtesy car should your vehicle be out of action, so you can continue with your work. When you want to find best car insurance deals around, always be prepared and have all the details of what you require to hand. You can then choose the premium that gives you the most comprehensive cover within your budget.
