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Why Should I Compare My Car Insurance?

The cost of a car insurance policy can vary wildly from company to company. In many ways this is to be expected. After all, if everybody charged exactly the same rate, there would be no need for the broad spread of insurers that we now have. It is for this reason that many people choose to actively compare quotes and seek out a better deal.

So why should you bother comparing quotes?

Well, you don't want to end up spending more than you need to, do you? If getting another quote could potentially save you money, particularly when it is a substantial amount, it's usually worth taking a few extra minutes to have a look around.

Unfortunately it's not an exact science. You could spend hours comparing prices only to find that your first offer was the best. This is just one of the risks that you have to take and what puts many off comparing car insurance quotes.

To make this whole process quicker and easier you might want to instead use a dedicated car insurance comparison service or site. Whilst a reasonably new addition to the insurance market, comparison sites have become hugely popular with consumers for their ease of use and ability to save significant sums of money.

How do car insurance comparison sites work?

Effectively comparison sites all work by pinging out applications to a number of leading insurers and obtaining a quote on your behalf. This is often completed within a matter of minutes, if not seconds. The success of these sites is largely dependent on the amount of insurance companies that they have and any special deals that they are able to offer as a result of deals made with said insurers.

As a consumer, all you need to do is fill in your details once and then click a button. This streamlines the whole process, allowing you to save time contacting each provider independently.

Using intermediaries

You may also find that there are a number of intermediaries that offer a form of comparison service. Rather than providing you with a list of competing quotes, these sites will provide you with a best quote from their panel of insurance companies. This is another way of refining your search and reducing the amount of time wasted in finding a policy.

It's a strange quirk of the car insurance industry, but by getting your policy through a third party you can sometimes actually save yourself even more money. Of course that's no bad thing and all parties will generally benefit from any such deal.

Whilst cost is the motivating factor for most, it's also important that you get a car insurance policy that manages to meet your requirements as a driver. For instance, you don't want to find that you're not covered when you come to claim for something that you believed to be a generic or fundamental part of your policy. As such, don't simply look at the headline figure, make sure you read what you're actually getting for that price.

So if you are the type of person who enjoys getting the best deal, comparing car insurance is certainly worthwhile. There is no guarantee of an exact saving; however, more often than not, you could be able to grab yourself a great policy at an affordable price just by taking the time to look.