Find the Best Car Insurance Quote

Find the Best Car Insurance Quote

by Rebecca Hall on 22 Feb, 2011

Finding a good car insurance quote is often a boring and laborious process, but it doesn’t have to be. There are many different ways in which to find a good insurance quote, from websites and online forms to insurance companies and phone calls. Car insurance is mandatory in the UK but the amount of coverage an individual has is entirely up to them.

Often enough people fall into two extremes regarding car insurance. Either they are paying too much or they are paying too little and are not adequately covered. Some people insure themselves with full comprehensive cover when they might only need liability coverage. It is often recommended that a new vehicle should have full comprehensive cover whereas an older vehicle is likely to only need liability coverage as this will save the owner money. Of course, this is entirely subjective as each individual person, and car, will have entirely different insurance needs.

It is a sad truth that many people submit an insurance claim only to find out that their insurance does not cover their loss adequately. This is why new cars are recommended to have full comprehensive cover as the cost of repairs to a brand new car will be far higher than an older model. Discussing your situation with an insurance company agent will help you to determine the proper amount of coverage for your vehicle, whether it is a new model or not. Never be afraid to ask as many questions as possible if you are ever in doubt about what kind of policy you need.

Many people face problems when making a claim on their car insurance because they never took the time to read the fine print of their contract when the policy was first taken out. The best thing you can do is to read every part of the policy before you sign and if you don’t understand even one part, make sure the insurance company explains it to you.

Knowledge is power when it comes to vehicle insurance and shopping around is the key to finding the best car insurance quote. If you already have an insurance policy but know that you wish to replace it with a better one, ensure that you know exactly what it is about the policy that you’re unhappy with so that you can talk to new insurance policy providers about this.

Deciding exactly how much coverage you need in advance will help make the process of finding a good car insurance quote much easier. Just remember that the effort will be worth the eventual savings.

About the Author

Rebecca Hall

Rebecca Hall worked as an independent mortgage adviser for 10 years before turning to financial journalism full time. She has strong links to the CAB advising families on mortgage refinancing.