There are some things that bring pleasure to our everyday lives and one prime example is buying a car, possibly one from the varied range of competitively priced used vehicles on offer from us here at eCars247. Once purchased however, the legal need for car insurance becomes paramount.
Back in the old and innocent days of the 20th Century, many car owners expected their insurance provider to offer a square deal at every renewal and tended to stick with that company. Those days are long gone sadly and experienced drivers are very well aware that the best way of finding cheap car insurance in the modern world is to shop around prior to the renewal date is due. Canny motorists can save a lot of money by doing so.
Historical research into the car insurance industry has shown quite clearly that similar cars apparently within the same insurance group can have insurance premiums differing by sometimes considerable amounts.
The Association of British Insurers will group similar vehicles in the same insurance group band but the cost of insuring similar cars within its band can be hugely different. Someone searching for insurance quotes for three different cars, each having a 1.0L engine and three doors and all in a low risk insurance group, could find considerable disparity.
The plain fact is that ‘cheap’ premium quotes can vary in price. The insurers explain it thus: That while cars may be in the same insurance group there are other factors that they have to take into account. For example, is the car is attractive to car thieves? What area does the customer live in? In short, it is not just the car owner’s personal driving record that counts.
When renewal time comes around it may seem that the most hassle-free course of action is to simply renew the existing policy. That used to be okay but in these days of intense competition insurance firms now reserve their best deals for new customers and the onus now falls on drivers to seek the best offer. We have to shop around and this is where price comparison websites can prove useful.
Price comparison websites are seen as the best and quickest way to find a range of car insurance quotes easily and quickly but owners should be aware that the details of the deal found on such sites could vary considerably so it’s vital that they ensure that the policies are offering exactly what they want. Different premium rates can only be directly compared if they are like-for-like.
It’s fair to say that price comparison sites do not tell the whole story. Rumours abound that maybe some are not quite so impartial as it may first appear. Some companies don’t appear on comparison sites at all so the crafty motorist will spend a little extra time chasing down these other leads.
As a somewhat reserved nation we have a bit of an aversion to haggling, but this is a great way of finding a better deal by approaching an insurance provider and perhaps stating you have found a cheaper deal elsewhere. A price comparison website may also flag up that the same insurer as offering insurance at a lower rate for a new customer and this is the sort of opportunity that could work in the owner’s favour.
It is a salutary lesson. Do nothing when your car insurance is due and it will cost you more than you expect. Shopping around has the potential to save money. It’s a simple equation. First though you need to find the right car at the right price
. We can’t help with insurance but we can help with straightforward online car purchase at the very best prices we can offer plus finance
options. Check out our listings and talk to our friendly and knowledgeable staff.