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Are you aware of who gives you car insurance quotes online?

Jun 26, 2008
The availability and accessibility of car insurance quotes has never been higher. The Internet has opened up a whole new world for insurance, but many people still are not making the most of it. Instead of looking around for car insurance quotes they are taking up the option to renew with their existing car insurance provider year after year and missing out on a potential 500 pounds saving.

Mrs Harding in a prime example of this. She has a 2007 Jaguar XKR and had always faced high premiums until she started looking around. She compared all of the available deals and eventually found one that enabled her to save 384 pounds by switching from the same provider she had been with for a few years to Churchill after choosing to search via an aggregator site, which is better known as a comparison site.

Mrs Harding is one of many drivers that have saved money via car insurance quotes from comparison sites. The amount of information you have to put into the form is largely dependent on the aggregator you are using, but you can get between 10 and 100 car insurance quotes just by inputting your car make and model, postcode, registration, age and no claims years, amongst other details.

Aggregator sites make the process of obtaining quotes extremely easy. All you have to do is fill in one form to obtain a whole range of quotes to compare.

That is not to say that aggregator sites do not have disadvantages because they do. For example, it makes it easier for a driver to just compare price and take the cheapest policy out without actually looking at the policy. Some features that are considered essential by the individual driver may just be left out. Also, aggregators do not ask all of the questions required to formulate a quote so the price you are given is just a guide price instead of a definitive quote.

In most cases, the final price will be much higher, as Mr Bennett found out when trying to insure his Vauxhall Corsa 394 pounds as per the quote he was given. It actually cost him 479 pounds because he had no car alarm. This was not a question asked by the aggregator.

It maybe best if you just want to use a household brand name insurer to use the aggregator to compare only these quotes. This may save you a little time but probably not that much.

Going directly to an insurer can have its advantages. You are asked the relevant questions every time and can choose the insurers you prefer to get a quote. It may take a little more time but it may be worth it in the long term.
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