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We live in an instant world. Modern phenomena like supermarkets, the internet, even microwave ovens, are all designed to make our life easier, faster and more convenient.

In this culture and context of everything being available in an instant, it is no surprise that car insurance comparison sites are as popular as they are particularly when their instant car insurance quotes can also save you money.

If we examine their use for instant car insurance, however, a few cracks begin to appear. The biggest of these is that it is always a mistake to buy without knowledge of the policy features; yet price comparison sites, at best, provide only summarised policy information.

How many people make good this information deficit by checking out the insurance companies directly? Very few, because they are drawn in by a very low price tag on certain instant car insurance policies, while they are also victims of our 'instant' culture where to not make full use of the time-saving opportunities of a price comparison site is seen as a wasted opportunity, not to mention an unfocused endeavour and, perhaps, even evidence of weakness or lack of decisiveness.

Obviously the above case is as much philosophical as it is grounded in objective reality. It certainly can't be measured and it, quite probably, is somewhat overstated and yet there is a kernel of truth there. The modern way is to get things completed as quickly as possible given the intense pulls on our time and this time pressure that most of us feel mitigates against a careful assessment of what we're getting when presented with an instant car insurance quote at an attractive price.

Broadly, there are two potential solutions to this. The first is to stick with use of a price comparison site but to slow down, do your homework on what cover you're getting and be prepared to pass on several of the cheapest instant car insurance policies if they don't meet objective minimum standards.

The second potential solution - and the one we would recommend - is to steer clear of price comparison systems and play the 'quality' card from the outset, going direct to a top instant car insurance provider that offers a good standard of cover.

The price you pay for an instant car insurance quote via the above route will be competitive if you use only well-known insurance companies and you could save yourself a lot of time. Something, we accept, that is in short supply.

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