There has been a few different studies and opinions about this over the years, but this recent one shows that 57 percent of the UK motorist quizzed about their most important factor when picking car insurance provider, picked the price. It is quite natural that a lot of people will pick price as the key factor when choosing their vehicle insurance provider, especially with the increased cost of driving these days.

What was perhaps a bit surprising was that only 19 percent picked car insurance level of cover as most important. Perhaps there is a bit confussion out there over the importance of making sure your car insurance has the right cover, as they also identify that it is important to ensure your car insurance quote has the righ cover as well as the lowest price.

It’s a tedious process, but it is usually worth it to check prices from a few different car insurance providers. Here are a list of car insurance providers and comparisons sites.

While doing some surfing on different websites i came across a few different banners and adverts for car insurance that i took notice of, and their message made me think whether or not you can get a better deal on car insurance outside of the aggregator sites.The car insurance aggregator sites are very good for comparing prices, but i’m not sure if you will always find the best deals with them. Often the insurance companies themselves run special promotions offering freebies etc. such as the offer i saw from Tesco car insurance offering a free Karcher pressure washer worth over £100 with any new policy. Is this an offer you could also take advantage of if you applied through a car insurance comparison site?

I know when it is time to take out a new car insurance policy i will check both the price comparison sites as well as check online for any special promotions any of the lowest priced car insurers are offering.

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The result of the FSA review was that there were a few cases were they felt the information returned to the consumer by the price comparison sites were not clear or sufficient enough to give them a good overview of the market. They also said that they would be visiting some of the companies to ensure that the information they provide is appropriate.

BIBA is one of the organizations that are pushing the FSA to look closer at the practice of some of the price comparison sites, something we believe will be a positive move that will only help clarify and create standards, ensuring that we as consumers can trust the information we receive to be accurate and correct.

One of the key areas are the assumptions that some of the sites make when it comes to returning quotes. GoCompare was recently welcomed into the warmth of BIBA after they found that their practice of comparing the car insurance policies like for like was a positive move from a price comparison site, and something the industry need to move towards to ensure the consumer gets the best service possible.

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Among those 400 car insurance schemes you will find some newcomers to the panel that includes esure, Halifax and Sheila’s Wheels.

As impressive as the 400+ number sounds, there is a difference between comparing many schemes from the same insurance company and actually comparing the whole market, which unfortunately no car insurance comparison company currently do. We would still suggest that everyone compares prices with at least 3-5 different insurers and price comparison services to ensure you get the best price and policy available.

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Getting a car insurance when young will often cost a lot more than the actual value of your car, not to mention if you want to have some fun and perhaps modify your car slightly so that it looks cooler with the opposite sex, or your mates. But there are ways to combat expensive car insurance for young drivers.

• If possible have the insurance on your parents and you as a named driver
• Don’t buy a muscle car that is modified
• Don’t even think about modifying your car at all
• Do you need comprehensive cover? Consider the actual value of your car, third party might be enough
• Get an alarm installed, and if possible a tracker
• Avoid parking on streets or other dangerous areas
• Take advanced drivers course, like Pass Pluss
• Marry your girlfriend and take the car insurance through her. Couples get cheaper car insurance.
• Change your name from William to Alfie. Your name affects your car insurance.

Rule 3 is therefore - Take the bus and save the environment and your pocket! But if you need to drive, make sure you tick as many of the above boxes as possible.

And of course, remember to compare car insurance prices with several suppliers and don’t be scared to bargain with them.

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Being single and living in the city is not considered the best risk scenario when it comes to car insurance.  We have previously written about how singles punished on car insurance, and there is no secret that with inner city crime rates your car insurance will go through the roof.

But we are not gonna bore you with car insurance talk today, we just want to say enjoy the movie, and should you be living the Sex and the City lifestyle, we hope you have the job to back up the cost of your car insurance!

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The study done on about 12 million quotes done over the last 12 months showed that Kwik-fit and Swiftcover consistently provided the cheapest average premiums. Endsleigh was able to snap up the most improved award as they went from 47th last year to 6th this year.

Both Kwik-fit and Swiftcover appear on most car insurance aggregator panels, and as always we recommend that you do quotes with at least 2-3 different sites to make sure you find the best cover possible.

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1. Vauxhall Belmont
2. Vauxhall Astra Mk2
3. Ford Escort Mk3
4. Austin/Morris Metro
5. Vauxhall Nova
6. Ford Orion
7. Rover Metro
8. Austin/Morris Maestro
9.  Austin/Morris Montego
10. Ford Fiesta

As we can see there are a few car brands that seems to be very popular with car thiefs, or perhaps it is just that they are such shit cars that the owners don’t bother putting in alarms or any other security device. Most likely they are glad to get rid of them and hopefully get some money back on the insurance.

However, there is an alternative list of the most stolen prestige cars, so if you own any of these you might seriously want to invest in a tracker or other top level security:

1. Mercedes ML
2. Range Rover
3. BMW 3-series
4. Porsche 911
5. BMW 5-series
6. Jaguar XJ-6
7. Audi A3
8. Land Rover Discovery
9. Mercedes SLK
10. BMW X5

Lets face it, if you can afford these cars and to insure them, you can also afford some decent security measures, perhaps even a personal guard!

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A quick check of the price of diesel for the year shows an average increase in diesel prices since January of about 17%. Comparing that with the share price of Shell shows that in the same time period Shell share price has increased by about 23%. This leads us to conclude that the best way to combat the increasing cost of fuel is to actually invest in oil companies like Shell.

If you have any spare cash lying around getting poor interest in a savings account, then you might look at investing in oil shares or in the commodities market, and you might actually get out with a better economy due to the increased fuel price!

Of course we don’t recommend anyone to do this without doing some proper research themselves.

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The research shows that some of the most popular names in the UK has a higher percentage chance of having driving convictions. If you are among the Jameses and Williamses of the country then you might be paying a higher price for your car insurance then if you among the Joshuas or Alfies.

It is quite amazing that insurance companies will judge you based on your birthname, but i have stopped being surprised when it comes to insurance. So this is a warning to all parents out there; be careful when you choose the name of your child, as he or she might pay for it later!

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