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Don’t take a wrong turn when buying car insurance

If you feel yourself chugging in circles when it comes to choosing car insurance, it’s high time you stepped swiftly (but safely!) on the brake and changed direction.  And whether your preferred mode of transport is a giant politically incorrect gas-guzzler or a tiny eco-friendly Noddy-mobile, at a good insurance company you’ll find a quote to surprise you – for all the right reasons.

“But is it safe to get a quote and buy car insurance online?” you might wonder… You’re absolutely right to ask the question, of course. But luckily, in the case of well-established online companies, it’s a rhetorical question.

Kwik-Fit has been a key player in the insurance sector since 1995 and their experienced team know the insurance business inside out, from general to home to car insurance.  Kwik-Fit Insurance is an insurance intermediary and, as such, its activities are authorised and regulated by the Financial Services Authority, which monitors insurance intermediaries carefully.

That’s just the sort of reassuring background knowledge which will give you complete peace of mind when you’re faced with one of the unfortunate motoring experiences that many drivers goes through at some point in an otherwise unblemished driving career.

The main benefit of using the services of car insurance comparison websites such as Kwik-Fit is that they will help ensure you’re not paying a penny more than you have to for your motor insurance. For example, it’s only right and proper that a rally driver who races regularly or a travelling salesman who spends half his life on the motorway and has six points on his licence should have to pay a higher premium than a careful, middle-aged lady driver who makes a tortoise look like Lewis Hamilton in a ‘shell’ suit.

Still on the topic of what’s fair and what’s not, rather than spending hours poring over websites and debating different options on your own, it makes perfect sense to use the services of a proven comparison company such as Kwik-Fit, who has the knowledge and the expertise to search the marketplace quickly and effectively to find you the best deal for your individual circumstances.

Once you’ve completed a car insurance quote form online, they’ll search the 25 plus insurance companies on their panel instantly, sifting out the best quote and saving you a lot of time and trouble in the process.

If you’ve managed to steer your way safely through several years of motoring, you may be in line for special offers and discounts. So not only will you save money by obtaining the best priced quote that’s available, you may also be rewarded in the form of further savings.

So what else do you need to know about buying car insurance? Well, one important decision you need to make is which level of cover you need.  You’ll generally have three choices: comprehensive cover; third party fire and theft (TPF&T); and third party only (TPO). As the name suggests, comprehensive covers you for all contingencies, so if you can afford it, it’s generally the best option.

Unless you happen to be a fortune teller with a 100% failsafe crystal ball, it’s impossible to know what lies around every corner when you’re out driving, and that’s why it’s so important to get car insurance right.