Shop Around To Find the Cheapest Car Insurance

It certainly pays to shop around for the best car insurance deals and the internet makes this easy. Use the quote finder above to a get a list of insurers and comparison websites where you can get car insurance quotes from a number of insurers online.

The Road Traffic Act requires all motorists to be insured against their liability for injuries to others (including passengers) and for damage to other peoples property resulting from use of a vehicle on a road or other public place. It is an offence to drive a car or allow others to drive it without insurance.

Car insurance protects motorists against liability in the event of accidents for which they have been at fault.  It can also provide cover for the motorist’s own vehicle.  There are different types of car insurance available offering different levels of cover. The most basic is third party cover which is the minimum legal cover allowed which protects individuals against liability should they cause injury to a third party or damage a third party’s property, this type of insurance does not provide any cover for the individual’s own vehicle or property. Comprehensive cover can offer protection for accidental damage, theft, fire damage as well as liability towards third parties.

Research commissioned by insurance broker Swinton reveals that motorists can save £52.26 on average by shopping around and obtaining 7 different car insurance quotes.

Further research revealed the average quote takes seven minutes 52 seconds to obtain, allowing Swinton to estimate the average amount of time motorists would spend searching to obtain a cheap car insurance deal would be 55 minutes and 11 seconds.

But fewer than one motorist in 100 actually obtains seven quotes, Swinton discovered the average motorist in the UK spends just 23 minutes and 36 seconds getting an average of three quotes. This means the vast majority of the UK's 26 million drivers are  vastly reducing their chances of finding a good value policy.

You may have received a cheap deal last year, but your insurer is unlikely to offer such a good deal this year. Quite your premium will increase to recover some of the discount it gave you last year. Furthermore, your personal situation can change from year to year and you may suddenly find you've become more desirable to other insurers. It will most certainly be worth applying online for a few quotations!