Car Insurance Quotes FAQ

What is the best way to gather car insurance quotes?

You may request car insurance quotes by ringing agents on the phone or by visiting insurance agencies or banks as you would if you were making an auto insurance claim. You may also request car insurance quotes online. Online comparison shopping is the fastest, most convenient way to obtain multiple quotes from trusted providers. By requesting quotes online using a simple request form, you can receive estimates from reliable insurers quite quickly.

What information do I need to request a car insurance quote?

When you request a car insurance quote, you may be asked to provide information about the type of car you own, your date of birth and postcode. You may also be asked to provide details about the vehicle and your licence so that an insurer can verify your driving history. For your own purposes, you should know your priorities about the car insurance features and benefits that are most important to you.

How much car insurance do I really need?

In the UK, you are legally required to carry third party car insurance to compensate other drivers, passengers or property owners for injuries or losses if you are at fault for an accident. All legitimate car insurance policies include this basic level of cover. If you have purchased a car on a loan, comprehensive car insurance may be required by your lender until the loan has been repaid. Comprehensive car insurance pays out for accidental damages, fire and theft as well as for third party claims.

When should I request car insurance quotes?

Before you buy or register an automobile, gather car insurance quotes to determine which insurer will offer you the most competitive deal. Comparing the car insurance market is always a wise idea, even if you've carried the same policy for years. At least once a year, review your policy to determine whether you might save money by reducing or eliminating certain benefits. Compare quotes from several providers to ensure that you're still getting the most value for your premium.

How many car insurance quotes do I need to make a decision?

There is no set number of quotes that will guarantee the best offer. However, you will increase your chances of finding the best quotes if you request more than two or three estimates from the leading car insurance companies. By comparing several quotes from trustworthy insurers, you can compare the market to gather the financial information you need to make an informed decision.

Does requesting a quote mean that I intend to purchase a policy?

Car insurance quotes should be free, implying no obligation to purchase a policy. Car insurance providers know that requesting quotes is a necessary part of the process of choosing a policy. If you are given the impression that requesting a quote implies an intent to buy, it is best to go elsewhere for free quotes with no obligation.

How do I know that a car insurance quote is reliable?

When you limit your search to trusted car insurance companies that are authorised by the Financial Services Authority, or FSA, you know that you are receiving quotes from a company that follows FSA standards. The FSA is an independent agency that monitors the activities of financial services companies to ensure that they are adhering to certain ethical principles. A car insurance company that is affiliated with the Association of British Insurers, or ABI, upholds the high standards of this respected trade association.

Which car insurance quotes are cheapest?

Car insurance quotes vary significantly from one provider to another, which is why comparison shopping is well worth your time. You may receive different quotes from different companies after providing identical details in your quote request. In general, quotes for basic third party car insurance or third party fire and theft are cheapest. However, you can find cheap comprehensive policies by shopping for quotes from more than one company.

How do I know I'm getting the best value for my money?

By comparing the benefits and features offered by a policy to the policy's premium, you can determine whether you're getting the best value. As the owner of the car, only you can determine how much cover you need and which features are useful. Search for a trusted provider that offers the benefits you're looking for at the smallest price to find the policy that's most suitable for you.

What if I can't find an affordable car insurance quote?

Young drivers, newly qualified motorists and owners of specialised cars may have difficulty finding affordable car cover quotes. Look for insurance companies that target your population group or the type of car you drive. By comparing quotes from providers that specialise in offering cover to your age group or to owners of the type of vehicle you own, you'll increase your chances of finding car insurance that fits your budget.

Claims

Q: Should I Switch Providers?

A: If you have applied to renew your car insurance policy and found the new premium to be much higher than your old one, you full answer...

Q: What is the Cheapest Insurance?

A: There are several different types of car insurance policy on the market. When searching for the cheapest one, most people full answer...

Q: Where Should I Start with Getting Insurance?

A: Once you make the decision to buy a car, you will need to obtain some car insurance. It is a legal requirement to have a full answer...

Q: Will Making a Claim Affect my Premium?

A: If you are considering the possibility of making a claim on your insurance, you may be concerned about whether or not this full answer...

Driving Safety Tips

Q: Are Dealerships Really Better?

A: If you need to have your car fixed, you may start to ponder on where to take it for repairs. Your first thought may be to full answer...

Q: How Can I Best Avoid Getting a Traffic Ticket?

A: Most people get stung by a traffic ticket at some point in their motoring experience. You might get a ticket for a parking full answer...

Q: How Can I Create a Safe Driving Style?

A: One of the simplest ways in which to protect yourself, your passengers and other people out on the roads is to develop a full answer...

Q: How Can I Find the Best Garage?

A: There will come a time when your car requires some repairs. When that happens, you will want your vehicle to be in the best full answer...

Q: How Can I Prevent my SUV From Rolling Over?

A: One problem you may be aware of is an SUV's tendency to roll over in a crash. SUVs are not the only vehicles that roll over, full answer...

Q: How Can I Stay Focused During a Night Journey?

A: There will come a time when you need to drive at night, possibly for quite a long distance. You may find that it is difficult full answer...

Q: How Can I Stay Safe While Towing?

A: Caravanning has become a very popular form of holiday in the United Kingdom. Thousands of people take to the roads every full answer...

Q: How Can I Teach my Teen to Avoid Drinking and Driving?

A: When you finally hand over the car keys to your teenager so that they can go solo behind the wheel, you may be worried about full answer...

Q: How Can I Teach my Teen to Avoid Texting While Driving?

A: Once your teenager has passed their driving test and can finally drive unsupervised on the road, you may become anxious about full answer...

Q: How Should I Plan a Caravan Journey?

A: Owning a caravan gives you a great sense of freedom and mobility, allowing you and your family to travel around the UK and full answer...

Q: Is It a Good Idea to Drink Lots of Coffee and Energy Drinks?

A: Everyone knows how important it is to remain alert while they are driving to avoid a traffic violation. This is especially full answer...

Q: Is there a Way to Monitor my Teens Safety When I Am Not in the Car?

A: It can be a worrying day when your teenager heads out in your car by themselves. You no longer have the security of knowing full answer...

Q: What are Some Tips for Getting Better Gas Mileage?

A: If you can be more economical with your gas mileage, you will not only be saving money. You will be helping to keep your full answer...

Q: What are the Biggest Safety Concerns When Driving at Night?

A: At some point you will need to make a night journey in your car. There are certain issues that you have to deal with when full answer...

Q: What is the Best Vehicle to Tow a Caravan?

A: If it is really necessary, any car can tow a caravan. However, some vehicles are better suited to the job than others. On full answer...

Q: Why is Drowsiness Such a Large Risk?

A: Driving a car is primarily a motor skill which you may not consciously think about all the time. You may wonder, therefore, full answer...

Insurance Basics

Q: How Much Will I Pay if I Make a Claim on my Insurance?

A: The amount you will pay if you make a claim on your car insurance depends upon your excess as well as the costs to insure full answer...

Q: Should I Make a Claim if I Am the Only Driver Involved in a Wreck?

A: You should report any wreck to your car insurance provider, even if you are the only driver involved. However, you are not full answer...

Q: Who Should I Call to Make a Car Insurance Claim?

A: If you need to make a car insurance claim, you may call the number listed in the policy booklet that you received from your full answer...

Used Cars

Q: Is Used Car Coverage More Expensive than New Car Coverage?

A: If you are being very careful with how you spend money, it may be wise to consider the impact of your coverage on your monthly full answer...

Q: Should I Purchase Collision Cover for my Used Car?

A: Once you have obtained your used car, you will probably wish to preserve its life for as long as possible. Accidents are full answer...

Q: What are the Best Cleaning Products for my Used Car Tyres?

A: Once you have purchased a used car and the right level of car cover, you will probably want to take steps to preserve the full answer...

Q: Which Repairs Should I Avoid Attempting?

A: Your car will need repairs at some point but it can be expensive to take to a garage or mechanic. You may feel sufficiently full answer...

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