A look at where and how to
get cheap motor
insurance quotes
For many in the UK, the answer
to this
question is easy. You should simply go to a price comparison site to
get cheap motor insurance. End of story.
If asked to
justify this position, they would say that there's no other way to
check so many quotes at once. They might add that it's very quick and
easy because you fill in just one form, get quotes in seconds and can
click through to the insurance providers to complete the transaction.
The whole process needn't take longer than ten minutes and in that time
you've identified the best of thousands of prices.
It's
hard not to see this as impressive and worth pursuing. But saving money
is only one side of the coin. What about the other side, that is, what
you're actually getting - the issue of quality control?
And,
when you introduce this quality criterion, the utility of price
comparison sites sharply diminishes. Yes, several do try to offer some
help in identifying those policies that include your must-have
features, but they tend to stop short of providing all the policy
information required for a fully informed choice or comparison with
other similar car insurance policies.
To suppliment this limited
information with additional policy details direct from each insurance
company's website is usually warranted which slows down the process of
buying cover, especially the more that you are hoping for in terms of
quality of cover.
In effect, when you come at buying your car
insurance from, what can be easily argued, the most appropriate angle,
you cannot realistically disregard the cover in favour of price alone.
Indeed, it's also reasonable to state that selecting the cheapest of
thousands of prices - or even one of the top, say, ten lowest prices,
is likely to be associated with a very thin policy with a high excess
that, frankly, is better avoided.
Given all of the above
qualifacations as regards the use of price comparison sites, to argue
that automatic use of a price comparison site for cheap motor insurance
is always the best course, is, quite simply, a faulty assertion when a
better alternative approach exists.
That alternative was a tried
and tested approach that people accepted - for the reasons
we'll outline below - before price comparison sites came along and
muddied the waters, leading to a shift away from a better level of
cover as standard in favour of lower prices. It really can't be argued
that this ultimately benefits the consumer, something people will
gradually accept as more and more make claims on these ultra-cheap
motor insurance policies and find that they need to pay hundreds more
themselves than they expected.
Consumers should not be afraid to
go direct to leading motor insurance providers as this builds in
quality of cover while not being an overly costly approach given the
close pricing of similar policies form the major insurance providers.
To compare
car
insurance
from these top companies, start off here. If you wish to test the above
pricing assertion, do so. It doesn't take long to check a few direct
insurance companies as their quote forms are simpler and quicker than
those of price comparison sites to complete. More..
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