Many have asked about how to find cheaper car insurance premiums. We have discussed this with reference to suggestions such as going online, using comparison websites, focusing on your specific needs etc.
Technology and more specifically the internet has changed the way the consumer finds car insurance. It has offered solutions to find insurance swiftly and with ease – but nowhere would you find reference to car insurance for the “lazy consumer”.
We need to focus on the title and the specific reference to “correct” car insurance. Even before the internet and the birth of direct insurers and aggregators, the lazy vehicle owner could pick up his telephone, call a broker and ask for him to arrange for car insurance for a specific car. The lazy consumer could just wait for the policy document and sign – but this does not guarantee that he will find the correct car insurance!
What effort is required to find the correct car insurance?
We would like to provide a brief summary of the actions required to guarantee finding the correct car insurance:
Knowing your needs and what you are searching for
You will not find the correct solution if you do not know what you need. Do your homework to be an informed consumer and understand the basics about insurance and products available.
Knowing the providers and variety of car insurers
You need to put some effort into finding more information about car insurers. Ask questions to colleagues, family and friends and use the internet to find which insurers provide the products you are looking for, whether they are reputable and have a good track record.
Decide on the method to use to find quotes
You will have to decide whether you wish to use a broker or whether you will find the quotes yourself via the direct insurers. You may decide to contact the direct insurers either online or by making a few calls. You may also decide to request a quote through insurance aggregators – an easy way to find several quotes from different insurers.
No matter what you decide to do, you will need to put in some efforts to supply insurers with information on your vehicle, your driving and insurance record etc.
Comparing these car insurance quotes
Once you have received a few insurance quotes, you will need to study them and compare them with one another. The correct quote for you might not be as simple as being the cheapest and the first to land on your desk. You will need to ask questions and spent a bit of time in gaining clarity and confirmation from the insurer that you are fully covered for your specific needs.
Care once you are insured
Not only is it important to avoid laziness in the process of acquiring insurance quotes, but also once you are insured. You need to keep documents in a safe and accessible place and remain alert to communications from the insurer. Be alert to policy requirements and do not, through your laziness fail to meet the policy requirements!
Finding car insurance quotes have become easier and less time consuming. To find the correct product to meet your needs will however require some effort – effort that may save you much stress and financial harm later!