Let’s be honest, thinking about car insurance can be about as thrilling as watching paint dry. That‘s why many people can be complacent when it comes to renewing their motor insurance. Instead of automatically accepting your existing insurer’s motor quote, why not shop around for a better deal. It’s quick; it’s easy and leaves you free to concentrate on more exciting things!

By accepting your existing insurer’s quote, you could be paying much more than you have to for your car insurance. Many motorists assume that by staying loyal to their existing insurer they will get a good deal. However this is not always the case, so it certainly doesn’t do any harm to shop around for your cover and compare car insurance policies.

Using a comparison tool such as the Tesco Compare car insurance service gives you access to a wide range of UK car insurance providers, hassle free. You can search the marketplace and compare motor insurance policies in a matter of minutes, meaning you can see if your existing deal really is as good as you think!

Comparing prices and features

Of course, the other beauty of being able to compare car insurance policies is that not only can you see if you could be paying less for your cover, but you can compare the policy features and benefits too.

This means that you could find a policy at the same price, but with better benefits, such as free cover for a month or some other additional incentive.

Having the ability to not only compare motor insurance premiums but also what the cover provides means that you can choose a policy that best suits your requirements.

Car insurance considerations

So what sort of things you do you need to consider when looking to switch providers?

For most of us, the price will be the deciding factor when looking at taking out motor insurance. However, it is important not to immediately go for the cheapest option unless you are sure that the cover meets your needs.

Other considerations include comparing the policies on a like for like basis. For example, if fully comprehensive cover is what you want, do not get confused and get a quote for third party fire and theft cover instead. It is a simple mistake to make but could work out costing you more than you ever thought if you end up buying the wrong cover and then need to make a claim.

How much excess you elect to pay in the event of a claim is something else you need to think about. The ‘excess’ is the amount that you have to pay towards any claim and can typically be anything from £50 to £250 for each claim. Insurers will ask that you agree to pay a standard excess and if you opt to pay more, then they will often reward you with lower premiums. However, you do need to be clear on just how much your excess would be, so there are no nasty surprises if your vehicle is involved in an accident.

To sum it up, by taking out a little time to compare the different car insurance policies available, you could not only save yourself quite a tidy sum of money but also get a better policy to boot!