Does Buying Car Insurance Direct Mean Cheap Premiums?

Have you ever bought Direct Car Insurance ? It is exactly what it describes, you make all the policy arrangements and buy the policy direct from the Insurance Company.
Many believe that the advantages of buying direct from the Insurer are that in many cases the price of the policies offered to you will often be less than if a customer took up a quote through a middleman, but quite often this is not so! The downside is that if you purchase direct from an Insurer you lose out on the advantages of when you Compare Car Insurance from multiple providers competing for your business.

Most direct  car insurance companies can make cost cuts in brokers commission and data handling , which many do pass onto their clients with cheaper motor insurance quotes or advertising marketing ‘tempters’ such as offering a years cover for the cost of only ten months , or throwing in some additional cover for free, such as breakdown insurance .
These advertising tactics must be viewed sceptically by the person thinking of purchasing a   policy , as it may well be the case that the charges of the ‘ marketing ploy ‘ are absorbed within the base rates  in the car insurance quote tendered .

With so many different types of car insurance distribution points available today it is often hard to work out whether you are purchasing your insurance from a direct provider , or not. It is quite possible that the car insurance company you are thinking of buying from are not Car Insurance Introducers ?

There are basically two ways to contact a Direct Car Insurance Company

It is possible to buy direct insurance cover   by either picking up the phone and diallng a number company that you found in yellow pages. One such car insurance provider in the UK is Adrian Flux who you can reach on 0800 089 0182

Or Alternatively by shopping on the Internet where you can find many alternative types of  Direct car insurance companies .

These Direct Car Insurance websites also include providers of Specialist Car Insurance and Performance Car Insurance.

Whichever way you prefer to use to purchase the policy , ensure you understand , whether you are purchasing from a direct car insurance company or from one of the other intermediaries that sell car insurance . If you don’t it could cost you more !

However you decide to purchase your motor insurance cover it should always be with what is right for your individual requirements , in mind. you should always make comparative decisions on a like for like basis. If one policy being offered a few hundred cheaper than a competitor, you should check carefully the levels of cover in the small print , and compare the differences.

If you need help in deciding what covers you need -  call an intermediary or car insurance company direct and they will be able to tell you exactly what they are offering and what car insurance covers you need for your circumstances.