Shopping Around for the Best Car Insurance Deal

When you’re looking for car insurance, shopping around can save you a fortune. There is no ‘one size fits all’ insurance policy. Different insurers have deals to suit different people. Some will focus on providing affordable young driver insurance, while others focus on rewarding more experienced drivers.

There are many factors that determine a car insurance quote which is why it is worth comparing your options. It’s even a good idea to check out what the cost of insurance will be before buying a car from a reliable dealer. Here you’ll find what you should look out for when comparing different insurers.

The cheapest cover might not be the best cover
The main thing you look out for when shopping for car insurance is the cost. The main goal is to find the cheapest deal. However, as stated by the Money Advice Service, the cheapest deal might not be the best deal for you. It is extremely important to look at the level of cover you are being offered. Does the policy include everything you will need? Often the small print details things that aren’t covered and it’s easy to miss this if you tend to skip through. Always read the terms and conditions so you know exactly what is covered. So while cost is obviously important, it shouldn’t be the only thing you look at.

Don’t always rely on comparison sites
When you’re looking to compare insurers where do you go? Comparison websites seem like the obvious choice. After all, they compare hundreds of different insurers for you and show results based upon your individual needs. However, what you don’t realise is that you can’t always trust the results you’re presented with.

This is Money have produced a great article on why you need to be wary when using comparison sites. The thing is, these sites are paid commission for every customer who switches by the companies they list. Therefore, if a company is paying them slightly more commission than another, they could be more inclined to list them in first position. It could have nothing to do with the fact that the insurer is the best one to fit your circumstances, but rather the amount of company the site will earn if you sign up.

This doesn’t mean that you should avoid comparison sites. They can be really useful. You just need to do a little more research before deciding which insurer best fits your needs.

Compare like for like policies
When comparing different car insurance policies, make sure you are comparing like for like quotes. This means the policies should cover the same things. Look at excess, levels of cover and the charges that will be applied. This is the best way to make sure you’re getting the best insurance.

Overall you should take your time to shop around for car insurance. There are good deals out there, but the cost isn’t the only thing you should be concerned with. Follow the advice above and you could save a fortune without compromising on cover.

Ms. Career Girl

Ms. Career Girl was started in 2008 to help ambitious young professional women figure out who they are, what they want and how to get it.