Shopping around is by far the best way of finding good car insurance quotes. Blindly paying the renewal costs when they come through the door is almost always a waste of money. There are three ways to get a quote, from a broker, on a comparison website, or directly from an insurer.
Anyone who insured the previous year either direct with a company or through a website will receive a renewal quote from the insurers. If the previous years policy was arranged through a broker the renewal will come from them. In all cases the renewal most probably includes an additional administration charge. This quote is most probably not the cheapest quote on the market due to it's limited source.
By going to a different broker and trying comparison sites you open up your options. Some companies have a separate direct department and it is often worth trying them. There is also very often an extra introductory discount for new customers.
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.
It would seem logical that a company could offer a better direct price but this is often not the case. Remember also that the options on your cover can vary and excesses can go up and down. A cheaper policy may lack in services like a courtesy car in the case of an accident.
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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