how do you get a true car insurance comparison?

Getting an accurate car insurance comparison is difficult. As we have mentioned several times, searching for car insurance can be confusing due to the mass of providers of this product in the uk, ranging from intermediaries and companies to supermarkets.

This does make getting a true comparison difficult, as not all providers necessary provide the same level of cover. Therefore, you may think you are getting a cheap deal, but in fact may be purchasing an inferior insurance policy.

There are several things to watch out for when comparing car insurance quotes, let’s look at a few of them in a little more detail. Voluntary and policy excesses; an excess is the amount towards any claim that you must pay. If an accident isn’t your fault then this money will be paid back to you, but if it were your fault then this is the amount of money that you would be out of pocket. When you compare car insurance quotes, you should always consider what the xs level of each is, saving £30 off the annual cost of your insurance may not be a wise move if the xs level is £300 more. Protected no claims bonus; once you have worked hard to build up your no claims bonus you will want to protect it. Protected bonus allows you to make a number of claims in a certain period of time, leaving you no claims bonus in tact. However, this cover can sometimes add quite a bit on to your premium so to make sure that quotes are comparable it is important to make sure whether they include this cover.

Other things which need to be considered are; Limit on stereo cover – some quotes will have lower limits on the amount of stereo cover you have as well as your personal possessions. The main selling feature of a lot of companies’ policies is that they will provide you with a courtesy car, in the event of an accident, while your car is in for repairs. To compare car insurance quotes properly you should be aware of whether a policy has this feature.