Compare car insurance policies

• 1). Decide the kind of cover you need. In the UK, car insurance is a legal requirement. But the level of cover you need might vary. The most basic, and cheapest, policies will protect against third-party accident, fire and theft. Fully comprehensive policies are more expensive and will offer greater coverage. When you're comparing policies, it's important you are comparing like with like and getting the level of cover you want.
  
  
• 2). Compare prices using a comparison engine. You will find several comparison engines on the internet that make it easy to compare the many different insurers and policies on the market. You will need to enter your details and requirements. The comparison engine will then suggest the best deals. The most popular comparison engines for car insurance are: GoCompare, Moneysupermarket. Comparethemarket and Confused.com.
  
  
• 3). Check other insurance sites. It's worth noting that two big British car insurers do not permit their policies to appear on any of the comparison engines. If you want the best deal, it's also worth checking out Aviva and Direct Line, two major British car insurers.
  
  
• 4). Decide the best deal from the various websites. Consumer experts in the UK also advise that you try to haggle with the insurers. Do this by phoning the insurers on your shortlist and express your interest in a particular policy. Sometimes you'll find that insurance agents have some discretion and can apply further discounts. This is well worth trying if you have an exemplary record and have never had an accident.
  
  
• 5). Verify the cover by checking the small print. Does the policy on offer definitely meet your requirements? If you drive a lot or might need to be insured on multiple vehicles, make sure the policy is valid. Certain types of vehicles, including those that you may need to drive for work as well as personal use, will require specific policies. Also, make sure that there are no catches or requirements for renewal. Additionally, make sure that you are taking advantage of all the deals and promotions on offer.