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Why It Pays To Compare Car Insurance Quotes

Mar 29, 2011

When it comes to finding cheap car insurance these days you must be prepared to shop around.  You are very unlikely to come across the best deal at the first place you look so you need to look in a number of different places.  If you are looking for car insurance online then you could easily become overwhelmed at the amount of choice available to you.  There really are so many car insurance companies operating on the internet that you could find it hard to make a decision. 

That is why there are now a number of comparison websites which will find the best deals to suit your circumstances and will show you these deals for you to have a look at.  The great thing about comparison websites is that they let you see like for like quotes side by side.  This means you can easily see which is the best deal for you. 

There are a number of things that you will have to look at when comparing car insurance companies including:

  • What you are covered for.  It is important to make sure that you are getting sufficient cover but that you are not paying for cover that you really don’t need.  Have a thorough look through the quote so that you can decide whether or not you are being quoted for cover that you don’t require.  You may have the option to tick certain aspects so that you can create a policy which suits your needs.
  • Voluntary excess.  You can choose how much or how little you will pay towards any claims that you make.  A higher excess will mean that your insurance costs will be lower while the opposite is true also.  It is up to you to decide whether you would prefer lower insurance costs now or whether you would prefer not to have to pay out a large sum in the case of an accident etc.  Some car insurance quotes will seem cheaper but when you look at the voluntary excess you will see why.
  • Personal items.  Car insurance quotes can often cover loss of personal items from your car but many home insurance policies also cover personal belongings outside of the home.  There is no point in paying twice for the same cover so you may be able to get a better price if you eliminate this cover from the policy.

The only way for you to get the best price when it comes to car insurance is to shop around.  Compare the quotes you get to see which one will benefit you the most.  Remember however, that cheap is not always the best so make sure that you are completely happy that you are getting sufficient cover before you choose a particular option.