We created imaginary profiles of 50 people, 25 males and 25 females, with different ages, jobs, cars, etc.
We than got quotes for car insurance for them, using four different top price comparison sites (including our own, of course!)
We then put all the results into a table.
Our results showed that - at least for our 50 imaginary motorists - no single price comparison site produced the cheapest quotes for everyone, and so the majority would have saved money by getting quotes from multiple sites.
We must stress that we recorded the lowest prices only.
We ignored compulsory excesses (ie, your contribution towards the cost of any claims that you are adjudged to be responsible for).
Also, many insurers include benefits such as free legal costs, courtesy car, breakdown assistance etc. which we have, again, kept out of the equation.
It is quite possible, therefore, that policies that are not the lowest priced could still be the better choice if you really need the fringe benefits they offer.
It is also worth bearing in mind that many companies run special offers from time to time and these can distort statistics like these. You should therefore treat our figures as a bit of fun only, and not rely on them when deciding where to buy your car insurance from!
A lot of the cheaper quotes involved telematic (black box) policies and whilst these were, originally, mainly confined to young drivers, or those with a poor driving record, they now seem more mainstream. Whilst many of us may be uneasy about the security implications, we think that they will be used more and more in the future as the technology becomes more efficient and cost effective. We have, therefore, not differentiated between telematic and non-telematic policies.
You can check our conclusions, and see the results table, by using the links below.
We have conducted hundreds of tests to find the cheapest insurance.
Conclusions Table of results
Do you have any suggestions about how we can improve these tests? Then please contact us
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