Car Insurance Quotes

Introduction

There's a definite art to getting the best out of your car insurance quotes, which doesn't mean that you have to spend hours and hours reading 'the fine print'. The simplest way of all to ensure you're getting the very best value for money from your car insurance quotes, is to not simply accept the car insurance quote that you're offered from your current car insurer - when the renewal date comes around, without having at least first compared it to some other quotes.

I've been with my car insurance company for years!

The number of people who still won't shop around for the best possible car insurance quote is, quite frankly, staggering. A lot of people seem to falsely believe that they will have trouble claiming or keeping their no claims bonus if they try to switch car insurance companies or, even more staggeringly, that they should stay loyal to a car insurance company they've previously used. The facts are that whoever you had your UK car insurance with is legally obliged to send you proof of your no claims discount, for you to send on to a new insurer. As for 'staying loyal' to an old car insurance company - you may well be in for a rude awakening as to how loyal that old car insurance company is to you if you need to claim. However, the biggest problem of all with simply accepting a car insurance quote from the company you're already insured with is that they will invariably increase the insurance price; and just expect you to pay up.

Car insurance price hikes!

You can constantly read and hear about people saying things like "I've been with my car insurance company X years and they always put the price up although I've never claimed". Even better they'll go on to then quote some ridiculous rise in the price; and not just for a few pounds. Even if, for some odd reason, they desperately wanted to stay with their current car insurer if they just picked up the phone and queried the amount they'd been quoted - they would almost be guaranteed to get a discount on the original amount given to them. The reason is simple, in the current economic climate some car insurance companies will try and artificially raise the price of your car insurance; but if challenged on the amount they will also not want to lose your business and so will, invariably, offer you a car insurance discount.

Get the best in car insurance quotes!

Of course the best way to ensure you're getting the best possible car insurance quotes is to go online and see what deals are available. However, don't automatically trust a car insurance price comparison website - they're quite often owned/operated by a particular car insurer who will always promote their own deals to appear to be the best. A hint here is to look at the colours used on price comparison websites then look at the corporate colours of some of the bigger/traditional car insurance companies! Also, when comparing car insurance quotes you need to look at what exactly is behind the headline figure for the total cost. Say you're a young driver with 5 years experience and haven't needed to claim on you car insurance. A car insurance quote of £ 250 might look great compared to one for £ 450. However, what if the cheaper one was for third party fire and theft only, whereas the more expensive one was fully comprehensive? That, of course, is perhaps an over-simplification; but it illustrates the point of needing to read the insurance quote carefully. How about these two prices for the same driver and a fully comprehensive policy - £ 450 and £ 600? No doubt the £ 450 offer seems the best one, but what if that cheaper offer had an excess of £ 500, but the £ 600 one was only a £ 200 excess? One way if you don't need to claim on your car insurance you might save money in the long run or, if you did need to claim, you could lose money. Which is why you need to read of the all various car insurance quotes you receive, checking and comparing exactly what it is that you're being offered. Then, weighing up all the options - make the decision that you think will be the best for you in the coming months.