Many of us only do real insurance shopping once every few years. We receive our car insurance quote and compare it to the previous years price and if it is about the same we just assume that nothing has changed and it must be competitive.

In some cases this is true but in many it is not and unfortunately the only way to find out is to spend a bit of time each year, making sure you have got the right deal for you. of course things are much easier now a days especially with the internet and the growing mount of price comparison websites. These website allow you to fill in one form and then that information can be compared to hundreds of different policies to ensure the best price.

But research has shown that they do not deliver the best price all the time, especially if this price comparison website is really just a middleman, comparing policies online rather than in his shop a few years ago.

I have found that by staying with my existing car insurance provider I got the best deal for the last 2 years, but not be renewing my insurance quote, but by going online and buying my insurance as a new buyer. I have saved money for the last two renewals and got exactly the same insurance policy from the same company. it didn't quite work out to the percentage I was supposed to save by buying online, but it still was worth the effort of filling in the form.

Leaving it to the last minute before you look online is also a bit dangerous. Come one, we both know there will be a time when you will just renew because something else came up and just ran out of time. It is not as though your insurance provider did not give you enough warning, most insurance companies send out several reminders up to a month before the renewal date.

There is of course, those of you who's time is so valuable that saving £20 on your premium is just not worth the effort, do the insurance companies know this? of course they do.Have you noticed that if you tell them you have received a cheaper quote elsewhere, in many cases they will match or beat it? In short there is some flexibility in your first quote, but may be not your second quote.

Go on, don't accept your first quote, go online and see if there are better prices out there, if not well you have learned something and you really can feel chuffed you got the right policy at the right price.

Do You Just Accept Breakdown Cover Renewal?

The same rules apply to breakdown cover, often renewals do not include the discount you get whilst buying online, not to mention the deals that are around by difference breakdown cover organisations trying to get our valuable business. It is easier to get a quote for breakdown cover as there are less details needed than the traditional car insurance quote, so you have no excuses, in fact why not try our website breakdown cover net.