If you intend to engage a car insurance with a mediator, in your office, do not bother looking at a comparator. Many companies have bonuses for contracting online. And the prices are based on some coverage’s that the comparison sets, coverage’s that, on the other hand, are only partially customizable. The amount of the comparator is not the final price either. In fact, at the moment of truth, many of the offers are not as competitive as they seemed when you request the last information.
2 – Get all the data right, paying attention to what they ask you. For example, there is a big difference in the price if you have had some car insurance to your name in the two years before or not. The insurer can easily find these data, so it is useless to lie.
3 – Put the insurance in the owner’s name, even if there is another driver, also if that person is the primary driver or even the only one. Some guarantees do not allow you to ensure the vehicle on behalf of another person who is not the owner, so they do not give you a budget and, consequently, do not appear in the comparator. And, if you are a woman, as it is my case, you will find individual insurance for you, with coverage for all drivers over 26 years old without the need to declare them, even if they are men (I will not tell you more).
4 – Check the coverage table well, not just the price. The comparators show each coverage (such as limits or conditions) and what optional extensions you have available. Check that what you want is what they offer you.
5 – Finish the budget request process of the proposals that most convince you, both for price and coverage (in this case, although the amount does not entirely fit). The last comparison should be made with the final offer.