The Best Car Insurance Quotes
The best way to get a good deal on car insurance quotes is to look at all the options
. Quotes are available through brokers, direct from the companies or on price comparison websites. Going with the renewal quote that comes through the door is a sure way to pay more than necessary.When a policy is due for renewal the company sends out its new quote. For anyone who previously insured directly or through a comparison site this renewal will come from the company who you are currently insured with. This may not be the cheapest option for the next year as it is restricted to the one provider and it will usually have an administration fee included.If you were previously insured through a broker they will do a search for the cheapest company for you and send their quote but they will also include an administration charge.
This is when it is time to get to work on the comparison websites, with brokers and to direct companies. Always remember most companies offer an additional discount to new customers. It is also worth going direct to companies who also use brokers as some have separate direct divisions and these may have a better deal.
A broker deals directly with the companies that provide the policies. Among other ways they earn their money in discounts given to them by the providers. The providers have different discount arrangements with different brokers usually based on the amount of business they provide. While this may not be the case on the comparison web site some providers will not deal through comparison sites at all.
All these dealings mean it is possible to find large differences in the cost of the same policy from different sources. This is why it is necessary to get prices from all three sources to find a good deal. It is worth remembering that the costs are changing all the time and as each year passes your driving experience changes which reflects on the policy.
With all this information you would think a direct provider could offer a better deal but this is not always so. Options and excesses can vary on the policies too. You may be offered a cheaper quote from one company but when you look into it you may not have all the options or have high excesses than on the slightly higher quote another company gave.
For this reason it is very important to decide before you start what is important to you on the policy. If you are a safe accident free driver you may decide that higher excesses and no courtesy car are not important and so can reduce your policy cost by not insisting on these features.
To ensure you get a good deal on car insurance quotes it is important to know exactly what you need before you start. Then when you compare policies you know they will give you everything you need and you can choose the best price. By not insuring with the renewal policy that comes through the door you know you are getting what you want at the right price.
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