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Online car insurance

Online car insurance is available from intermediaries such as brokers and agents, direct insurers who underwrite the actual risk and comparison sites where you can get online quotes and buy online with discounts.

Online car insurance from an intermediary is ideal for anyone who has a car in a high insurance group or for a higher risk driver such as students or young drivers, it is also reccommended for specialist cars such as performance cars or classic cars. An intermediary will do an instant search from 20 or more insurers to find the cheapest online car insurance for you. Online car insurance from an intermediary also benifits the average driver with a good driving record or low insurance group car because they check for the cheapest policy for you, similar to a price comparison site but better because the online quote is fast and instant wheras the comparison site may take hours or days to email you and may not be as cheap..

Online car insurance direct from an insurer tends to suit good drivers with a no claims bonus or those with low insurance group cars. Direct insurers cut out all the middlemen and their quote can be very competive, some direct sell insurers only trade on the web to the public and will not even appear on price comparison sites to keep their quotes as low as possible.

Online car insurance quotes from insurers and brokers are fast with instant rates so you can shop around on the web and vist 10 or more online insurers in under an hour. To make shopping for online car insurance even easier and quicker the auto fill facility on your browser will call up many details found on the online form such as name and address so you do not have to type in this informatin each time.

As well as being quick the other main advantage of online car insurance is when you buy online you can recieve an extra discount of 10% or even more which is on top of any other discount such as an introductionary discount for new customers or no claims bonus discount.

Compare insurance prices

The disadvantage of price comparison websites is that the cheapest on the list will usually have the least amount of cover so it is very difficult to compare like for like.

An insurance broker compares 100s of similar polices and gives you the cheapest for the level of cover you requested

Direct only insurance deals

Cashback, online discounts, multi-car, home/motor discount and other special deals may not show up on comparison sites so it's always worth going direct to the insurer, some companies like DirectLine do not advertise on price comparison websites.

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