You will usually
find the cheapest car insurance using a price comparison system. We
list three of these above, arranged in order of their popularity here,
but all of them can be recommended.
As you can see, we also list direct car insurance providers. Are they
ever the best route to the cheapest car insurance cover? Well, it
depends how you qualify this. If you're looking for the absolute cheapest
car insurance and the associated cover is of no consequence, then it's
hard to argue against using a price comparison site.
However, if you are wanting a bit more from your cover, then,
as you leave the budget end of the spectrum in terms of the features
that you want included in your policy, then it can be the case that the
cheapest car insurance at this level is better
obtained direct.
How would you know that it's the cheapest if you don't compare car
insurance quotes? Well, strictly speaking, you
wouldn't. Also, there may be some other car insurer that offers much
the same cover for a bit less. But for all practical purposes if you go
to a large motor insurer such as those that we work with here, you can
assume that you're getting just about the cheapest car
insurance price for the cover selected.
If you're looking for better quality cover but are a bit dubious about
this assertion, simply check a second or third direct quote to
see if this is the case. You can get them in less than a
minute as their forms are simpler than those used by price comparison
sites.
If your instincts remain to use a price comparison site for the
cheapest car insurance, systems like the Gocompare rating sytem can
help you to match your required policy features. Do take your time to
properly research what you're getting. Finding the cheapest
car insurance for your needs does not need to be a race against the
clock. This is a significant, expensive and potentially
critical purchase, there's no value in rushing it.
Remember that to continue to get the cheapest car insurance
every year, you should always get new quotes. To get new business,
insurance companies offer good first year deals. Value for money begins
to drop off year by year thereafter, although some offer incentives for
customer loyalty.
If you choose the cheapest car insurance quote that you can
find, never buy it blind. Know what the cover offers and conduct an
honest inventory in terms of whether this is enough.