How to shop for car insurance online
Today more than ever the internet makes it possible to shop around and compare prices before you buy – this is especially true when it comes to car insurance. While many people think to purchase clothing, technology and even holidays online, many shoppers overlook shopping for more important things like insurance online.
In reality though, using the internet to browse for car insurance can be a great way to compare prices, find deals and better understand each policy and its benefits before buying. Today most insurance brokers have their own websites where you can find more information and get a quote, and there are also comparison websites dedicated specifically to helping you find a policy that meets your needs and your budget.
Comparing Prices
If you’re ready to renew your car insurance policy or need to insure a new vehicle, going online can save you time. If you’re not loyal to a particular brand or policy, then the most straightforward way to shop is by using a comparison site.
These sites collate quotes from the top insurance providers in the country and will present your best options for you and make it easy to evaluate different policies side-by-side and help you choose the best policy at the right price.
Before you use a price comparison site you should be ready to answer a few basic questions about your lifestyle and vehicle and insurance history – these are exactly the same types of questions you would be asked directly by the broker and will include items like the value of your car, where it’s stored, and how many years of no claims bonus you have on your record. When you’re ready to begin shopping you can make the process easier for yourself by having the answers to these questions to hand.
Once you have filled in your information you’ll be directed to your quotes – depending on the comparison website you use these will be displayed on a new page or emailed to you directly. From there you’ll have the opportunity to read more, compare, and buy on the spot.
Be sure to read the fine print carefully – car insurance policies are becoming more and more expensive, and many drivers are being mislead into buying heavily discounted policies only to find later on their insurance policy doesn’t cover them to the extent they first believed. Consumer groups like Which? has its own unbiased guide to car insurance, and this can be an invaluable resource as you begin your search and understand the different policies available to you.
The most popular car insurance websites
If you’re ready to find a car insurance policy online, visit the most popular comparison websites. Many will compare the same brands, but some offer different deals so it may be worth retrieving quotes from several comparison sites if price is your chief concern. Go Compare, MoneySuperMarket, Compare the Market, uSwitch and Confused.com are among most popular websites on the market today. Google has also recently added a feature in its search engine that lets you search for car insurance policies from your browser, and work much the same way as the popular comparison sites.
It’s important to note that not all insurance brands will be featured on these comparison websites – brokers like Direct Line and Hastings Direct are just two examples of insurance companies that do not use comparison websites to sell their policies, so it’s advisable to check directly with brokers as well when you’re looking for the best deals.
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