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Most people buying car insurance in the UK use a price comparison site to find cover. Is this the best approach or is there something to be said for going for direct car insurance quotes?

Let's look at reasons why you may choose to go for direct car insurance. Firstly, you may be in a specific category that direct car insurance companies provide tailored or discounted services for. For example, there are companies - and you can access all our examples via the links at the bottom - that provide women-only cover (Insurepink), young driver's quotes (Endsleigh), quotes for multi-car owners (Admiral), or special deals for cars over five years old (Yes). If you fit any of these then going for direct car insurance is worth considering.

Secondly, direct car insurance providers can offer some attractive promotions from time to time. At any given time one or more of the major car insurance providers usually has something that merits consideration. Supermarket financial services generally offer generous clubcard points as well as other attractive offers and deals.

Thirdly, when you are looking for a bit more from your policy, for example, a courtesy car or breakdown cover as standard, then using a price comparison site to find this level of cover becomes less straight forward than simply browsing through the direct listings on sites like this to see what you get as standard from popular direct car insurance providers.

When you identify a suitable policy in this way - and it's easy to do - then we would suggest simply buying it. There really is no need to over-complicate the process by looking for price comparisons. All the leading direct car insurance companies have to be competitive when comparing similar policies to maintain their market shares. They are all acutely aware of their rivals' pricing and scatter (or range) of prices is minimal.

Fourthly, you may have been disappointed with a price comparison site before. Perhaps you found it hard to work out exactly what cover you were getting; maybe the price quoted was wrong; or perhaps you decided that their primary focus on price meant that the cheapest policies identifed left much to be desired.

Thus, as this article perhaps demonstrates, there is no need to automatically opt for a price comparison site every time. There are plenty of valid reasons to consider going for direct car insurance. Indeed, as we would see getting reasonably comprehensive cover as standard as worthwhile, you may even wish to consider going direct as your first choice option.

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