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Car Insurance Comparison
Looking for an easy way to do a car insurance comparison? Well, you have come to the right place at CarInsuranceComparison.com because let’s face it; choosing car insurance can be a chore.
Unfortunately, since car insurance is required by law in almost every state and not having car insurance can really create more trouble than you need, it is very important to make a thorough car insurance comparison before buying car insurance.
It is important to know why you need to do a thorough auto insurance comparison, what you should be comparing, and how to evaluate your results to make the best selection. Read on to learn all about how to find the best car insurance rates, but if you just want to hop right to it and compare car insurance quotes online ASAP then there is no need to wait - just enter your zip code in on the top of this page for a free comparison of car insurance quotes from top car insurance companies!
Why You Need a Thorough Car Insurance Comparison
Most of us make the mistake of thinking that car insurance policies are pretty much the same; that all we need to do is pick the policy with the best price and we are good to go. Nothing could be further from the truth.
While finding cheap car insurance is important (and we will tell you exactly how to do just that), each car insurance company (and there are a bunch of them out there) has many different policy types, each one has different levels of coverage, coverage options, incentives and discounts. Take a few moments and do an online car insurance policy comparison with a few of the best car insurance providers side by side and you will see exactly why this is so important.
Also, the cost associated with each of these different policies can vary greatly depending on the company you choose and the policy type, the coverage amount, and any other of a dozen different options you might select. Check out our auto insurance comparison chart and then just enter your zip above for a free online car insurance quote comparison.
To make it even more interesting, consider that different models of cars have different car insurance rates. If you want to compare car insurance rates for different cars before buying a car then you are already way ahead of the curve. You can get a free car insurance cost comparison if you just enter your zip in above.
(What did you say? We are the best car insurance comparison site? You make us blush!... In all seriousness, you may get sick of hearing the often simplistic sounding advice from us to "compare free car insurance quotes online by just entering in your zip code" or to "do your homework and do an online insurance comparison of rates from all of the best car insurance companies" but hey, if a few minutes comparing quotes online ends up saving you $250 or more then it all works out quite nicely, doesn't it?)
What You Need to Consider in Your Car Insurance Comparison
The key issues you need to prioritize include the level of insurance coverage you need, the amount of money you can afford to pay for your car insurance, and the type of insurance company you want to do business with. When you consider the level of insurance coverage you need you will need to do an honest evaluation of: your driving habits, your driving environment, and the type of situation you will be able to accommodate if you are ever need to file a claim. Getting a car insurance companies comparison online is simple with our free tool but keeping your head in the game and weighing all of your options is important to really save the big bucks and find an affordable car insurance policy.
Yes, it does matter how, when, and where you drive. Since insurance companies will evaluate these factors, you should as well. Be honest with yourself. If you regularly drive past the speed limit, if your daily drive includes major interstates and thoroughfares, or if your commute is an hour each way through any of the most populated cities in America then you might want to consider a higher level of coverage because you are in a higher risk category.
What that means is that your driving behavior, either good or bad will affect your chances of being classified as a high or low insurance risk. This is important because if you realize your driving risk category, you can make a more informed decision on whether you need basic coverage or a policy that includes every option known to man. Some companies even offer accident forgiveness policies if you are usually a good driver, but realize that even a good drive can have an accident.
You will also need to consider your driving environment. This includes more than just the area you drive through each day. You need to consider if you will be parking your vehicle on the street or if it will be locked in a garage, if you will be parking in any high crime areas or areas known for a high volume of vehicle accidents, or if the car you drive is a vehicle is commonly targeted for theft. Other considerations like if you have an alarm system or Lojack device installed can make a difference when deciding if you want coverage for theft of the vehicle. Installation of anti-theft devices will most likely lower your rates.
One of the biggest considerations you can make is to analyze how much cost can you bear when choosing any particular policy. How much you can afford can greatly affect how much coverage you can obtain as well as what type of company you can purchase from. There are companies that will offer you basic liability coverage for a very small monthly payment, there are companies that offer platinum level coverage options for payments that might make some executives flinch. You’ll need to find out where you fall between these two extremes; just remember that you often get what you pay for.
Also, when you start gathering price information for different policies and car insurance companies, you need to ask about any and all discounts, incentives, or promotions each company might have to save you money on your policy. Surprisingly, a high coverage/high dollar policy can become affordable after deducting all possible discounts, adding all available incentives, and taking advantage of any promotions offered.
Finally, you will need to think about the type of service and stability you want from the insurance company you will be doing business with. Despite the fact that insurance is one of the few products consumers purchase yet never want to use, it is almost inevitable that in all of your driving experiences you will need to file a claim at some point. When you do, you want to know that the insurance company you have been paying premiums to is still around to service that claim.
In addition, when they do service the claim you file, will they treat you as a valued customer, or an expense that needs to be settled? You will want to know what type of service history the company enjoys, is this the type of company you could recommend to your Mom or best friend? If so, there is a good chance it could be the company for you.
Evaluating Your Car Insurance Comparison Data
Once you have decided what coverage you want, how much you want to pay, and what type of company you want to service your insurance needs, you will need to gather data on the different companies that fit the bill. Our comparison tool above is one great resource. Just a few clicks and you will have side-by-side comparison information ready for you to evaluate.
Once you are here, decide on your priorities. You can rank price, coverage, and service/brand stability from one to three. Use this weighted list to narrow down the field to one or two really good choices. When your short list of car insurance companies is finished, no matter which option you select, you can be assured that your needs and wants will be met.
One final note; car insurance companies change rates regularly and often give considerable incentives to win new business from other companies. So, once you have have your short list of preferred insurance companies, don’t be afraid to go back and re-shop your options. You can sometimes save a bundle by just going back to your current insurance company to re-shop your rate and policy about every six months or so.
Get Free Car Insurance Quote Comparisons!
One thing is certain, we all need car insurance. If you have to have it, doesn’t it make sense to get to policy you really need, at the price you can really afford, and with a company you feel you can truly count on? Shopping car insurance may be a chore, but as important as being insured is, you will definitely want to take the time to do it right. Spend just a few quick minutes to enter your zip code into the box above and get started with your free car insurance quote comparison today!
Free Car Insurance Comparison
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Getting the right cover is the most important thing, and then you should look for the cheapest policy.
Choose the right level of cover
There are three levels of car insurance cover you can choose from in the UK:
- Fully Comprehensive
- Third party, fire and theft
- Third party cover only
Here is what each level protects you against, and how to choose which is right for you.What car insurance cover should you get?
Find the best policy for you
There are several different types of motor insurance policy, and choosing the right one could save you money.
- Standard car insurance: Here is what a standard car insurance policy with cover.
- Multi car insurance: Insuring two or more cars on one policy could mean cheaper cover; find out how it can save you money here.
- Black box insurance: You can save by having your driving monitored through a black box policy; here is how it works.
Should you add extras?
You can customise your policy and extend your cover by adding extra benefits. These include:
- Legal cover - here is how to work out if you need it
- Breakdown cover
- Cover for lost or stolen keys
- No claims protection
- Cover for driving abroad
Here is a full list of the car insurance extras that could be worth adding to your policy.
Check your policy to see if any of these are included as standard, and if not, consider whether it is worth the additional cost to add them.Which car insurance extras are worth having?
How to get quotes from our comparison
You can get quotes from our website via the aggregator from our panel of insurers. Make sure you also compare separate policies in our table to make sure you get the best deal.
It can be a quick and easy way to find cheap policies, but be careful not to buy car insurance on price alone:
Pros and cons of comparison sites
- Get lots of quotes quickly
- Quotes shown in price order
- Only one form to complete
- Not all insurers are on them
- Can be cheaper if you go direct
- Multi car policies not shown
Car insurance FAQsQ
Can I drive a car without insurance?A
No, it is a legal requirement to have at least third party car insurance cover to drive in the UK.Q
How can I get cheaper car insurance?A
There are several things you can do to get cheaper cover. Try these 10 easy ways to cut your car insurance costs.Q
What does car insurance cover?A
It can cover damage to your and another driver's car after an accident. It can also cover theft, vandalism and fire.Q
Is it cheaper to pay annually or monthly?A
Paying annually in one go will usually work out cheaper because you will be charged interest of up to 30% when you pay monthly.Q
Should I let my policy automatically renew?A
No, your current provider will not usually offer the cheapest deal so shop around and find a new policy instead of renewing.Q
Can I get insurance for an imported car?A
Yes, you can use our quote service to find cheap cover for your imported car. You can select whether your car is a grey or parallel import.Q
Can I check if a car is already insured?A
Yes, you can check if a car has a valid insurance policy in place through the Motor Insurance Database (MID).Q
How long does car insurance last?A
Most car insurance policies last one year, but you can cancel your cover for a fee. You can get short term cover for between one day and three months.Q
Can I drive other cars?A
If you have a fully comprehensive policy you might be covered to drive other people's cars, but some polices do not allow this.Q
Can I switch my policy to another car?A
Yes, if you buy a new car you will need to tell your insurer so they can update your policy. The cost of your cover will probably change.
About our car insurance comparisonQ
Who do we include in this comparison?A
We include every insurer that offers comprehensive and third party, fire and theft car insurance policies in the UK. They are all regulated by the Financial Conduct Authority. Here is more information about how our website works.Q
How do we make money from our comparison?A
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.
Classic Car Insurance in the UK could not be easier!
Vintage and classic car owners are often devoted to maintaining their cars because they consider them a hobby, passion and a great treasure. That’s why they need specialised classic car insurance policies that can protect the cars against any damage as well as the increased risk of theft. But since the insurance market is filled with a lot of insurance companies, there’s need for one to carry out classic car insurance comparison to find favourable policy options that can cover the classic car while making significant savings.
What Is A Classic Car?
For insurance purposes, a classic car can be defined as a car that’s 15 years or older. There’s no fixed age group into which a classic car can fit into; the definition is entirely at the discretion of the insurer. That is why it is good to compare among the range of classic car insurance providers and prices before subscribing to one. Classic car policies prices are very competitive as many insurers believe that such vehicles are well maintained by caring drivers and keep the lowest mileage as possible.
How Are Classic Car Insurance Covers Valued?
Classic car insurers offer either standard cover for cars at their current market value ( which can be less than their true value) or specialised classic car policies covering cars for their true value as classic( often referred to as agreed value cover). Car owners looking for agreed value cover can always speak to insurers to find out whether they can add it to their policy. Choosing to add an agreed value cover to a policy might increase premiums and cause the car owner to incur additional charges but it can offer cover that’s specifically tailored to the classic car. Other additional cover options offered by insurers in the UK market include breakdown cover, legal protection, EU cover, Laid up cover (when the vehicle is on the road) and limited mileage discounts. It is important for classic car owners to look at the fine print of the cover value of any of policies before buying any of them, if they have any doubts.
How Is Classic Car Security Ensured?
Desirable classic and vintage cars can be attractive to thieves since most of them do not have sophisticated security systems. That’s why some insurers will insist that classic vehicles under insurance be garaged overnight or be fitted with enhanced security systems. Fixing an alarm system or a tracker on a classic car can not only protect the car against any risk of theft but it also helps significantly cut down the cost of the cover. Upon making any modification to the car, the owner should inform the insurer of the changes made to the factory-standard specifications, without which the cover will be invalidated.
Is Joining Classic Clubs Important When Finding An Insurance Cover For A Classic Car?
Members of a classic car club often receive discounts from some insurers when arranging cover for the vehicle. Some clubs can also provide for a convenient way of finding specialist insurers for vintage vehicles. But the most important thing for any classic car owner is to compare prices and product features against the other available options in the market so as to get the right policy at the lowest cost possible.
There are additional benefits to joining a classic car social group, outings, drive bys during summer periods and just the general fun you would obtain from driving your classic car, besides all that, you can meet great people who share the same interests as you.