Who's Really the cheapest?
We've all seen the commercials on TV. A car insurer after another pops up to tell us that they are the cheapest. Some offer the best value for women, are among the cheapest of the "safe" drivers, and others think they are the best choice for older drivers, while more will reward you for many years 'no claim'. So how can we find out who is really the cheapest?
The Internet has made shopping around car insurance a lot easier as you no longer have to stand and wait on hold with call centers, and many insurers will offer discounts of up to 20% when you buy online.
But when it comes to finding cheap car insurance, you have four main options:
· Insurance Brokers – They use their computer systems, but only offers from insurers that they have an agreement with.
· Direct insurance companies – they cut the agent as no commission is paid to a broker. They can only offer their own prices. Direct insurers which includes the likes of Direct Line, eSure, Admiral, Churchill, Privilege, Norwich Union, Budget, Elephant and Hastings.
· Branded providers – It is incumbent names in other fields who have added insurance to their list of products. As with direct insurers can only offer their own products. These include: Tesco, Post Office, Sainsbury's, Marks & Spencer and Kwik Fit.
· Full search engines – By entering your data a full search provider would offer a list of quotes from brokers, direct insurers and branded suppliers to suit your needs. This includes www.moneysupermarket.com, which will search more than 50 car insurance companies instantly.
Premiums vary between providers based on your car, your zip code, the number of years you have without making a claim, and other additional factors. Through a full search engine is the only way to ensure you get the cheapest car insurance quote for your needs.
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To compare car insurance quotes and find cheap car insurance visit www.moneysupermarket.com
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