Driven Crazy by Car Insurance

Confused.com’s familiar catchphrase “does searching for car insurance drive you crazy?” is not loved by all viewers, however their advertising campaign does bring up an undeniable issue – that trying to decide on a car insurance policy can be a very frustrating process. With so many companies offering you this, that and the other, how do you sort the best from the rest? And how do you know what to look for in the first place? Or even where to look? For a first time buyer, the prospect of getting car insurance can be extremely off-putting.

To begin with, you need to know what car insurance should be able to do for you when you take out a policy. Even the best drivers cannot always avoid accidents or damage to their vehicle, and the main purpose of car insurance is to be sure that, should anything happen to you or your car whilst driving, you alone won’t have to cover the costs. Most car insurance policies will cover certain basics, though the excesses and details of what is covered will differ slightly from policy to policy. The crucial difference you will come across is that between comprehensive cover and third party, fire and theft cover. Put in simple terms, comprehensive cover will be more expensive but will insure you against more accidents, providing extras such as medical expenses, replacement of children’s car seats, and accidental damage to the car. When searching through car insurance quotes, it’s best to remember to do a thorough check of what is being offered to you - it’s no good having a policy that doesn’t provide you with adequate cover.

Whilst the initial price of car insurance may seem steep, it’s nothing compared to the money you’ll save yourself if your car needs to be repaired following an accident. It is always wise to check each insurance company you are researching carefully – don’t just look at their “car insurance from £-” statement, take time to get a quote tailored to you. Most good websites offer easy ways to get your car insurance online, and will offer ways of reducing the cost of your policy. Co-Operative Insurance, for example, have a comprehensive “get a quote” online form, and also offer to reduce the price of your policy by up to 10% if you buy it online. They also have a scheme on currently offering a free TomTom when you buy their car insurance online. Most companies will offer incentives to get you to choose their policy which, on their own, shouldn’t make your decision for you, but are great if included in a particularly good policy that you would have happily chosen anyway.

Though it can seem like the search for car insurance is an uphill struggle, as long as you are clear in what you want and do your research thoroughly, you should be able to emerge unscathed. And if it really gets to be too much, then there are many sites just like confused.com that will provide some assistance.

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