Car insurance comparisons -
what to think about
The
most important thing to think about when you undertake a car insurance
comparison is not the price of each policy. It's what you're getting.
Price is important, of course, but your policy features are more
important if you ever have to claim on the policy.
Many people that use car insurance comparison sites don't check out the
cover they're getting adequately, if at all. They just want to buy as
cheap as they can and they decide, at least at the point of sale, that
the low quality of their cover and the high excess is an acceptable
effect of going cheap, that is, if they even stop to consider such
matters.
While some car insurance comparison services do provide some policy
information, others don't. In reality, the provision of good enough
policy detail for an informed choice is somewhat unchartered territory
for most price comparison sites.
This is why we suggest consulting with the websites of car insurance
companies direct when you feel unclear as to what you're getting. Even
when you do this, you need to be sure that you're checking the right
policy as if it's a particularly cheap quote on a price comparison
site, it could be a 'no frills' variant of the car insurer's 'standard'
product.
This difficulty in relation to knowing exactly what you're getting if
you buy through a price comparison site does make it hard to be sure
that you've bought a satisfacotry policy, especially if you select a
very low-priced quote.
It is for this reason that we believe that the UK is too ready to use
price comparison sites given that their focus on price fails to take
account of the greater importance of selecting your cover on the basis
of policy features.
There is no such problem of this nature if you go direct instead of
doing a car insurance comparison. The top direct car insurance
providers tend to offer excellent cover at very competitive rates - the
competitive insurance market forces prices down - so, in this context,
paying more attention to cover is justified.
To get car
insurance from any of
the
top
brands, a site like this offers up to date policy advice and current
offers. If you're worried that you may pay too much if you don't have a
car insurance comparison, check more than one - the quote forms usually
take only a minute to complete. You'll soon see that when you build in
quality by going direct, prices are closely matched anyway. More..
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