Getting a Good Deal on Car Insurance

9.7.2 Getting a Good Deal on Car Insurance

Shopping around for the best deal on car insurance is not always quite as straightforward as going to an internet comparison site and entering your personal details. As anyone who’s watched the television recently will know, some companies don’t allow their policies to be sold on comparison websites, whilst others offer their own discounts for those who don’t go through an intermediary.

That is not to say that comparison websites are not a useful tool, but they shouldn’t be considered the end of the insurance process.  You are likely to find a cheap policy but it may not necessarily offer the best value for money when you look at what it actually includes.

One thing you should do is have a look around for insurance companies that cater particularly to your demographic, if you have a lot of experience and a long history of no-claims, or if you are a woman, if you drive a lot, if you are newly qualified, all of these demographics have specialist companies who aim to offer them the best deal.

Another thing you can do is look for owners’ clubs. If you have a vintage car, or a particularly expensive car you may find that an owners club is the way for you, as they often have access to specialist insurers who will find you a good deal.

Alternatively, you can consider things that are not connected to the price of the policy. For example, some people think it’s very important to have financial products that are environmentally or ethically sound. Some of these types of companies can only be found by a slightly more thorough look.

Another thing you should consider is optional extras and complimentary incentives. It has long been a tactic of financial companies to offer a service or a product combined with extras to attract more customers. With car insurance some companies offer you service contracts or M.O.Ts, and this sort of combination can save you a little extra, even if the policy is not the cheapest out there.  With Kwik Fit Insurance for example, you get a free M.O.T and 10% off at Kwik Fit centres when you take out a policy.  Take a look at the Kwik Fit Insurance website to see if they can offer you cheap car insurance.

Ultimately finding a car insurance quote is very easy, but if you put in a little more effort you can usually find a really good deal. Give a quick think to what exactly you are after, and shop around a little bit. Remember, whilst comparison websites can be cheap, they don’t necessarily find you the best deal out there.