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When choosing your car insurance presumably price is a key factor, but what else do you look for? How reliable do you find price comparison websites? Do you switch regularly or stay with one company that you are content with? Apparently, 77% of us shop around for insurance before committing to one company. In fact, 45% of the nation usually gets quotes from three insurers before committing to one policy to suit our needs. We get our information from TV adverts, friends and family, direct mail and price comparison websites. But which is best? According to the British Insurance Brokers' Association, more of us are moving away from price comparison sites and opting to go direct because we feel these kind of sites are misleading and inaccurate. According to the BIB's Association, price comparison sites focus too heavily on price and not on value for money and instead we should buy a policy dependent on what exactly it offers in the event of an accident. This includes are medical cover, a courtesy car and a wide range of garages to visit for repairs. None of us want to pay insurance, but sadly car insurance is a legal requirement of a driver's life. However, at the moment, none of us can afford to be frivolous with our money so choosing the right insurance is now even more important. However, far from changing on a regular basis to make the most of new customer benefits, we are now sticking to what we know. This is largely because of the benefits of no-claims discounts. After five or so years with one insurer, your no-claims discounts can be worth up to 75% off. The obviously has a positive effect on your insurance premium particularly if you are paying more than the average for your car insurance. One group that is greatly affected by a good no-claims discount are males aged between 18 and 24. These drivers, especially the male percentage have to pay over the odds for their car insurance, so 50-75% makes a huge difference to them. This phenomenon is becoming particular important among 18-24 year old drivers. These drivers, especially the male percentage have to pay over the odds for their car insurance, so 50-75% makes a huge difference to them. If this means people are driving more safely it can only be a good thing but if all it means is people are paying for the accidents themselves then an insurance policy is rather superfluous.
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