Here, we offer a choice of
car insurance comparison services. The most often used one of these
price comparison resources is our own quote service, powered by
Quotezone. The next most-used here is Gocompare while the award-winning
Tesco Compare comes in third place.
All of these service offer the advantage of needing to fill in just one
form to make a car insurance comparison of 100s, sometimes 1000s, of
prices. So, it's quick and easy to do and in most cases will save you
money on your renewal quote.
Not surprising, then, that these car insurance comparison
services are popular here and elsewehere. We would contend however,
that many people use them incorrectly.
To allow price alone to determine your policy choice, without
considering the cover associated with those particularly cheap policies
that top the car insurance comparison site listings
puts you at risk in the event of an accident.
Clearly, a cheap policy is cheap because its provider has reduced the
costs to the insurer in the event of a claim which means only one
thing. The insured party - that's you - pay(s) more.
While plenty of people are willing to accept this when they use a car
insurance comparison site, knowing that if their luck holds
out it will never translate into a problem for them, to not know what
they have signed up for in the first place is unwise.
Some of the cheapest policies have very high excess payments, for
example, and, of course, do not have any features that could be
considered 'extras' such as breakdown cover or replacement car
arrangements. Indeed some features that some may consider 'core'
requirements of a car insurance policy may have pricing caps on them.
While people tend to equate car insurance comparison with automated
price comparison services, a proper comparison of car insurance takes
account of the cover as well as the price.
In fact, those wanting relatively impressive cover at low cost should
bear in mind that going direct for this to leading insurers is
certainly a viable option. The market-leading insurers (links below)
are competitive and you are highly unlikely to end up paying more than
you need to for the level of cover selected even where you do not
conduct your own car insurance comparison.
Our direct car insurance pages provide policy information to help you
select the best matches for your needs and their popularity here is
certainly justified from a quality perspective.
There is no doubt that popular car insurance comparison
services are here to stay. People like bargain prices and to save money
on their cover. However, we would suggest that an altogether more
sensible approach, is, to use these services in a more circumspect
manner than most do, applying a careful quality filter that, in many
cases, will reject several of the cheapest quotes in favour of the kind
of cover you would actually want in an accident.