Getting car insurance quotes is easier than getting counted, mostly because it takes place over the phone. In fact, MiWay gives car insurance quotes speedily while you’re stuck in traffic on your way home, while DialDirect and OUTsurance call you and Budget Insurance give you money for getting your friends to approve their car insurance quotes.
Given the high-value of your car and the likelihood of it being crashed, dented or stolen, car insurance is important, and compulsory for financed vehicles. Fortunately for you there are almost innumerable ways of getting car insurance quotes from online aggregators, to brokers and direct insurance companies. Here’s how they work
Online aggregators of car insurance quotes
The annoying hippo with the 80s rock parodies is an online aggregator of car insurance quotes (among others). How does it work? You enter your details online, your name, phone number and details of your car and an insurance representative will call you to gather further details regarding the type of cover you require (namely private or business use, type of security, where the vehicle is kept at night and so on). The representative will then inform you of the range of car insurance you qualify for, their premiums and extent of cover.
The online aggregator will have to conduct this over the phone so it can be recorded and a legal contract entered into. An online aggregator of insurance quotes works with a number of direct and brokered insurance companies to give you a wide range of quotes.
Brokers and car insurance quotes
More personal than an aggregator of car insurance quotes, are brokers. Brokers will either meet with you in person or discuss your requirements for insurance over the phone. Based on their expertise and qualifications, they can make certain recommendations for types of cover and how to reduce the cost while sourcing a range of difference car insurance quotes from the firms with which they are affiliated. (Independent brokers get car insurance quotes from a number of different insurance companies as they are not limited to only one.)
Direct car insurance quotes
Alternatively, you can contact the short-term insurer of your choice directly, wither via email of over the phone. The problem with going direct to the insurer, however, is that they will only be able to give you one car insurance quote and adjust the premium instead of sourcing numerous car insurance quotes from other insurers. Some insurance companies, such as OUTsurance, do not deal with brokers. The only way to contact them is via an associated aggregator or call them direct.
For a range of car insurance quotes, fill in our online form and wait for an insurance representative to call you. It beats getting counted.