Top 5 Things to Look at When Comparing Car Insurance
It's common knowledge that organising your car insurance is one of life's less pleasurable experiences. It can be a time consuming process which is not helped by the overwhelming number of insurance companies all promising to offer you the best deal. Comparison websites can alleviate some of the stress by presenting quotes from many insurers side by side, but if you don't know what exactly to look for this can confuse matters even further.
The first thing to look at is the annual cost of the policy. When using a comparison site, you can easily sort policies from lowest to highest price and quickly find a bargain. Bear in mind that the least expensive is not always necessarily the best value for money. Insurer A may offer a slightly cheaper policy than Insurer B, but Insurer B might be offering a lot more in terms of service. In this situation, Insurer B would have the best deal. At this stage it is worth comparing the services offered by each insurer and deciding whether or not they apply to you.
The second point to consider is excess. Excess is the amount that the policy holder must pay in the event of a claim (if your excess is £250, and £600 of damage is done to your car, you will pay £250 and your insurance company will pay £350). When purchasing your policy you will be given the option to increase your voluntary excess amount. Generally the higher the excess, the less expensive the policy, so this is a good way to save some money. If you have a low value car try to avoid policies with a high value excess. You may end up with no money and no car in the event of theft or an accident resulting in a write-off, as the money you pay your insurance company in excess will cancel out their lump sum.
When you compare car insurance, check which policy offers the best breakdown cover (sometimes referred to as ‘roadside assistance'). It is always wise to invest in a policy with this feature, even if it does cost a bit more. Although roadside assistance can be bought separately, purchasing it as part of an insurance policy can be more cost effective. Roadside assistance can offer peace of mind, particularly with older vehicles which may be more prone to break down.
Some insurance policies offer a courtesy car to replace your vehicle if it needs to be taken off the road. If you rely heavily on your car for commuting then this is worth the extra money, but if you live somewhere with good public transport links it may be worth opting out of this to reduce cost.
Finally, it always pays to do your research. You might think you have found a great deal, but before confirming the sale take a few minutes to search online for reviews of the insurance company you're considering a policy with. You may find that other people have had consistently bad experiences and finding this out before you commit can save weeks of misery further down the line.
The author of this article is a part of a digital blogging team who work with brands like Confused.com. The content contained in this article is for information purposes only and should not be used to make any financial decisions.
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