How do you compare car insurance quotes?

The need to be able to compare car insurance quotes on a like-for-like basis is crucial both in obtaining good value for money in terms of the lowest possible car insurance quotation, but also in being able to understand the nature of the car insurance policy itself.

This calrifies what it does and does not provide by way of insurance cover. Until fairly recently, the job of comparing car insurance quotes on your behalf would normally be done by an insurance broker.

Insurance brokers are meant to be independent agents who you can approach and who in turn will approach a range of insurance companies on your behalf obtain quotations for you, and present you with what they believe to be the car insurance quotation that is the most appropriate for you and your circumstances.

On the whole the system worked quite well, dependent on the vagaries of how good or not the individual insurance broker was at their job.

The other advantage of using an insurance broker was and still is that they are an independent source of advice if and when you have a claim or need some type of impartial evaluation of your circumstances regarding the car insurance quote for any potential problem under the policy.

With the advent of the Internet and in particular cost comparison sites the role of the insurance broker in respect of personal lines insurance such as car, auto, home, home owners insurance etc seems to have diminished.

Compare Car Insurance Quotes

Cost comparison sites have very cleverly taken over the role of presenting themselves as an impartial source of guidance and advice as to what constitutes the cheapest and most appropriate car insurance policy for you.

There is no doubt that cost comparison sites to work at some level on this basis, and are able to obtain car insurance quotes for you that you are able to compare fairly straightforwardly.

The problem tends to come when trying to compare these car insurance quotes on a like-for-like basis. This is much more difficult as most car insurance policies will include a number of different sections within them that extend the range of cover, but normally at an additional cost.

The full range of what is and is not included and at what cost will not normally become apparent until the very end of the process after several webpages have been gone through and a huge amount of information already given to the website.

For many people cost comparison sites work fairly well and gives them an insurance at a price that suits them.

If you fall into a category that is deemed high risk by any insurance company, then it is worth considering using an insurance broker who understands the car insurance market and can do the groundwork on your behalf and give you comparisons that allow you to compare car insurance quotes on a valid basis.