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Before You Buy Car Insurance ...

 
Before we buy car insurance we get in the quotes and compare them. Normally when we compare car insurance quotes we look at the prices.

However, the FSA has some different advice. They say you should list the features of the first quote you get and then compare the features on offer with other insurance companies. You can add to the list as you become made aware of more features. They also make the point you should be aware of what you don't get.

Car insurance companies will obviously tell you what you're getting for your money. They'll also be delighted to tell you what you don't get because this gives them the opportunity to sell you those features as add-ons at the back-end.

You can also add those features to your list for comparison and put prices against them or included.

But let me just say, as someone who was 43-years a salesperson there are more to features than that.

Performance. Are the quotes coming in. The insurance companies will be eager to give you free car insurance quotes because you're one-step away from buying car insurance. The question is, are you getting them in. Some get 3 or 4 quotes and give up because they're the same. Whilst others phone tens of companies and probably save a significant amount of money.

Versatility. How many different things are covered? This is what the FSA are talking about.

Comfort. How easy is it to deal with the car insurance company? Will they prove difficult when it comes to making a claim?

Durable. It's unlikely you'll have a lasting relationship with an insurance company unless you renew without question. I think the money advice online is be an unfaithful customer.

Reliable. You can't bank on the company who gave you the best quote last year or month doing the same in the future.

Appearance. Do the quotes look good to you? Are they clear? Clarity is so important when you're bombarded with so much information.

Prestige. Do you know of this company and it's reputation. I suppose that's why we buy brands.

Economy. Here we look at the car insurance price. The question is, for the money you're putting in, what are you getting out.

Safety. Have you got your risks covered?

You can remember the above list as PVC DRAPES. You can use it to check the features of almost anything. Then it's time to ask what's in all of this for you and what it means for you before you go and buy car insurance.

You just need to be sure your comparisons are clear and saved like an investment.

Regards
Ralph

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Pages relevant to car comparisons:

Small Car Comparison Charts for example Corsa, Clio, Fiesta, Punto, and Polo. A 2010 Guide on all Small Car Fuel Economy, CO2 Emissions & Performance

Small MPV Car Comparison Charts the best known are the Jazz, Modus and Agila.

Medium Small Cars including the Golf, Focus, 308, and Astra.

Medium Size Cars like the Passat, 3-Series, Mondeo and Insignia.

Large Executive and Luxury Cars Audi, BMW, Jaguar, Lexus, Mercedes.

Family Estates There's a huge choice of over 30 estate cars compared for you.

MPV Comparison Charts Scenic, Picassa, Zafira, Espace, Galaxy, for example.

SUVs & 4x4s Compared New crossover entrants are changing this sector.

Sports Cars, Coupes & Convertibles Compared A surprising 34 cars in this category.

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