Two car insurance policy comparisons
- Car Insurance Comparison
- Free Car Insurance Comparison
- Choose the right level of cover
- Find the best policy for you
- Should you add extras?
- How to get quotes from our comparison
- Car insurance FAQs
- About our car insurance comparison
- Online Insurance Quotes Save Families Money
- Free Insurance Quotes: The New Rule of the Online Insurance Quote
- How to Compare Insurance Rates
- The Cheap Insurance Myth
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
Compare Quotes from Top Companies and Save
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.
Online Insurance Quotes Save Families Money
Insurance is a fact of everyday life. If you want to own a car, a home, or a business, or simply want to protect your family’s health, you need to be—and in some cases, have to be—insured. Getting coverage can sometimes become an overwhelming and confusing process, and sometimes an expensive one, but it doesn’t have to be. NetQuote provides you not only with the ability to compare quotes, but also with the information you need to make the process easier.
Free Insurance Quotes: The New Rule of the Online Insurance Quote
Getting free insurance quotes is far different today than it used to be. Historically, it cost someone money to get a look at rates from a company. In their view, they were working to get you these auto insurance quote comparisons so they should be paid for this time, whether you go with a different company or not. Typically, a company would waive the quoting fee if you bought their plan.
But that is the past. Today, if you pay for an insurance quote online—or even offline—you are likely not dealing with a reputable company. Car insurance comparisons are offered freely from nearly all car insurance companies. So word to the wise, if you are being charged to get a look at a car insurance company’s premium rates, RUN don’t walk away. Receiving a free auto insurance quote comparison is the new way of doing business.
How to Compare Insurance Rates
Now that the industry has changed such that you can get insurance rates for free, you need to know how to compare insurance rates so that you are getting the best deal to protect your home, car, business, health or family. First, once you fill out a form on NetQuote, your work isn’t finished. You now need to compare the exact policies from each company and see A) who offers the best price? B) Who offers the most comprehensive coverage? And C) Who offers the most coverage for the best price?
One of the great things about NetQuote is convenience. Rather than having to do the research yourself to get a car insurance comparison, NetQuote does it for you. Filling out an auto insurance form can be time consuming, but if you use a service like ours, you only have to fill out these questions once and you can get as many as five auto insurance quotes from major providers within your area. Without NetQuote, you not only have to reach out to those same companies individually and fill out their questions each time, but you also have to make sure that you answer every question in the same way each time. If you don’t, your car insurance quotes won’t be apples to apples, and if you aren’t making an accurate side-by-side comparison then you really aren’t judging each company’s policies objectively.
The Cheap Insurance Myth
It was once widely known that cheap insurance was just that: cheap insurance. It did not cost much, but it also didn’t cover much. This is still true today in that you can find very inexpensive policies that don’t cover very much; however, don’t be fooled into thinking that all cheap insurance policies aren’t worth much.
Insurance companies are changing their insurance rates all the time. Sometimes they raise them when there have been a large number of claims, and sometimes they lower rates when they are looking to pick up more clients. What all of this amounts to is that a cheap policy might just represent a market shift or a change in the needs of a particular company. In other words, don’t just give the hairy eyeball to all cheap rates; seek them out. Just make sure that the policy represents your needs well.
As you begin your search for insurance quote comparisons look to NetQuote as your guide. We make sure that each car insurance quote is an apple next to another apple and that you aren’t being fooled by any of those numbers. Ultimately, we all want to see who will charge us the least for the exact same amount of insurance coverage without getting “cheap car insurance.” So let us help you get the best insurance for your family and for your money.