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Car insurance companies nowadays are not the service you may have used in the past. All you needed in years gone by was your proof of insurance to get your car on the road and it was a simple case of contacting a local car insurance company to ask about prices and details and within an hour or so you would be sent your auto insurance cover in the post.


Nowadays you will find that it can be quite a minefield when trying to find the best car insurance quote and it is not just the price you should look at. If the premiums are much lower that other car insurance quotes you have received then make sure you check the excess details. A lot of insurance companies will provide you with an excess of at least ?600 so if you have any minor accidents then you end up paying the bulk of the costs of any repairs.


Also be aware that once you have had an accident and claimed on your personal or company insurance policy then there is a fairly good chance that the premiums will go up when you come to renew your policy. It makes sense to shop around and it is much easier nowadays to find insurance online to fulfill your car insurance needs.


The first question you need to ask yourself is do you need car insurance? If you work for a company where they provide a company car or lease arrangement you may be able to get them to provide your insurance as well which will save you a fortune in car insurance premiums.


Also a little known fact is that you do not always need to go via dedicated car insurance companies to get your cover. Most general insurance companies will also find quotes for you and you may be surprised at the lower quotes available from this type of company.


It always pays to shop around and do your research so that you end up with the best deal and also the best policy. Check the small print of the quotes and try and get at least three so you have a fair comparison. Also make sure that you enter any no claims bonuses that you have accrued as sometimes this is overlooked and can make an enormous difference to the final quotes.


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One great resource that provide fair and competitive car insurance quotes is general motor insurance where you can get quotes from a variety of providers and find out about the latest offers available.


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