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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 should be taken as an example. She currently has a year old Jaguar XKR Coupe and was paying through the nose for her insurance. However, she saved 384 pounds by switching to Churchill from the provider she had been with for many years previously. She found Churchill on a comparison site and, after her 5 years no claims bonus was taken into account she saved a tidy sum of money.

Mrs Harding is just one of the thousands of drivers saving money by using a car insurance comparison site, or aggregator as it is officially known. It is easy to get a whole host of quotes from an aggregator by just filling in a few details, such as the car make and model, your postcode, your age and your no claims bonus. An aggregator will usually return between 10 and 100 results, depending on which one you choose to use.

Aggregator sites allow you to compare all of the relevant quotes that are returned quickly and easily. You can compare the level of cover and price just by clicking on different options, and all from the comfort of your own home in just five minutes of your time.

However, there are disadvantages with aggregator sites. For example, many drivers do not compare the cover effectively and may end up with certain features left off the policy they ultimately choose. They do not look at the actual policy, but only the price. Also, aggregator forms are basic templates and do not ask the specific questions that many car insurance companies actually need to give an accurate quote.

The final insurance quote direct from the car insurance company (passed from the aggregator) will often be more because they will ask more specific questions relevant to their insurance. Mr Bennett is a prime example because he obtained an aggregator quote on his Vauxhall Corsa 3 door. The original quote was for 394 pounds, but he ultimately had to pay 479 pounds on account of his lack of garage and defunct car alarm. The aggregator asked about neither.

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.

Contacting the insurer directly could therefore give you an advantage. You know what you are getting and how much for right from the start.

Tags: Auto

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