Car Insurance Quotes – Cheapest Isn’t Always Best

When it comes to car insurance quotes, the cheapest price displayed may not work out as the best deal for you. Read this article to find out why... When looking at car insurance quotes, it’s only natural to be drawn to the cheapest price. The least expensive option may seem the most appealing on the face of it, but it’s important you look at all the details before accepting one of your car insurance quotes. Here are some things you should consider when it comes to choosing between cheap car insurance quotes. The company you choose There can be a big difference in levels of customer service across car insurance companies. When you’re looking at car insurance quotes, the cheapest one may not provide the best overall experience. For example, if you’ve dealt with a particular car insurance company before and their quote is only a few pounds more than one you’ve never heard of, is it worth the risk? Your payment options When you’re considering car insurance quotes it’s worthwhile taking a look at your payment options. Different companies will charge different interest rates for paying in instalments by direct debit. This could mean that an original quote of say £200 could end up costing you more overall than a quote of £205 which comes with a lower instalment interest rate. Getting in touch It can be worthwhile making a call to a prospective car insurance company before taking out a policy online. For example, the company with the cheapest car insurance quote may leave you hanging on the line for ages while charging you for the privilege. Cheap car insurance should not just be weighed up in terms of cost. If you constantly have to spend time on the phone chasing up people in the event of a claim, it may be a wise decision to pay a bit more to a reputable car insurance company and free up more of your time. Hidden costs Different car insurance companies are able to set their own charges for things like policy cancellation and amendments. If you need to change an address, add a new driver or change vehicle, you could end up paying £30 or more extra on your policy which could make your original car insurance quote not the cheapest after all. It’s all very well comparing car insurance quotes but if you just look at the headline figure rather than exploring a little deeper, you may not be getting the cheapest car insurance deal. Cheap Car Insurance – Are You Comparing Like with Like? When you’re looking for cheap car insurance and comparing quotes, make sure you’re comparing like with like to get the best deal. Cheap car insurance is something we’d all like, but are you getting as good a deal as you think you are? Comparing car insurance quotes like for like is important to make sure your cheap deal actually gives you everything you want. As you read through the list below you’ll discover which areas may cause your very cheap car insurance to become too good to be true. Level of cover This may sound obvious but it’s worth double checking that you’re comparing the same level of car cover when looking for a cheap car insurance quote. If you need fully comprehensive car insurance, comparing it with a 3rd party quote is usually going to result in the latter being much cheaper. Windscreen cover It’s easy for a little chip in your windscreen to turn into a huge crack if it’s not treated. If you do a lot of motorway driving you’ll know there are lots of stones flying around. One cheap car insurance quote may be less than another because there is no windscreen cover included. There may also be a higher excess to pay for windscreen insurance on one policy over another so it’s worthwhile reading the details. Excess amount The general excess amount on your car cheap car insurance policy may be a lot higher than on other policies. This means that in the event of making a claim, you may have to pay a higher proportion of the claim amount yourself, resulting in your cheap car insurance policy actually being more expensive than others. Breakdown cover While some cheap car insurance policies will have some level of breakdown cover, many of them won’t include this. You need to be aware of exactly how much cover you’re getting as if it’s not sufficient, you might have to buy it separately. This could make that particular cheap car insurance policy more expensive than others you’ve seen that do have a decent level of breakdown cover. Protected no claims discount When you’re looking for a cheap car insurance quote, it pays to think beyond the one year. For example, if one policy is slightly cheaper than other but one includes protection of your no claims bonus, you may be better off going for that. It’s definitely worth taking the time to look closely at any car insurance policies you’re interested in. If you’re not comparing like with like you could be paying for an unsuitable policy.



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