Car Insurance. The Internet forces prices down. Part 2

And you'd be surprised who markets the expensive policies. A survey in the consumer magazine "Which" shows that the UK's biggest insurer Norwich Union, { medical insurance } failed to come top in any of the 36 driver categories that were surveyed. Another well-known name, Direct Line, only managed one top spot.

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This is down to the marketing tactics of the big brand names. They build up their client base with heavy advertising and low prices and then gradually increase prices relying on apathy and brand loyalty to keep their clients. And it works!

But do be careful when you're shopping around. { mortgage rates } Price isn't everything. Some car insurance policies have very cheap headline prices but skimp elsewhere. For example, do you want a courtesy car if your car is being repaired? Do you want your medical expenses or your personal belonging covered whilst they're in your car? Some policies only pay £100 or so for stolen audio equipment. Is that enough? And crucially, some comprehensive policies don't allow you to drive another car (with the owners permission!) and provide third party cover under your own policy.

You need to consider all these aspects.

As you might expect, Internet quotations are normally 5 to 10% cheaper than telephone quotes, so it's invariably cheapest to buy online. { mortgages } Most people look for the cheapest quote and then read the details for the chosen policy to check out that the cover provided meets their requirements. You can search for the best deals by searching under "car insurance quotations " but some of the discount insurance sites are particularly visable if you type in "cheap car insurance" or "discount car insurance".

Alternatively, you can have a look at the car insurance section on our web site. All the insurers have been chosen for their competitiveness for various types of driver. Try it and see how you get on.