Buying a first car can be a difficult choice for anyone, since the choice of model and make is often overwhelming. The market has plenty of options to choose from regardless of what style you prefer, and there is a wealth of choice whether you are a career woman or a stay-at-home mum. Of course, budget often remains the main concern when considering a new car purchase and women do not necessarily need to choose the most expensive models in order to have a comfortable driving experience. While it may seem banal and rather common-sense advice, it is important to aim for simplicity and functionality for your first car, particularly for relatively inexperienced drivers who are likely to be unfamiliar with a large display of previously unknown switches, knobs and dials. Another thing to keep in mind are insurance costs when purchasing a new motor, so things like colour, model and make are very important. We know that accidents will be less likely for first-time female drivers than for their male counterparts but there is no point paying higher premiums than you need to. So, if you are unsure which car would suit you best, we suggest a few typical top cars for first-time female buyers. Ford Fiesta A widely popular choice for a first car and one that proves reliable and comfortable in almost any instances. There are a number of models to pick for a variety of purposes, though any model will offer the same reliability particularly for young women drivers who are new to the perils of our roads. Fiestas allow for plenty of space for women on shopping trips, and will also amply cater for small families. Regardless of what you will use your car for, the Fiesta is a good first-time choice for all young drivers. Chevrolet Aveo Nobody wants to pay excessive amounts of money on petrol, and any car which promises economic fuel consumption is certainly a favourite for first time drivers. Whilst the Chevrolet Aveo may seem like an expensive car for first time buyers, the 5-year warranty and its low fuel consumption make it a preferred choice for many young women who have landed their first professional job contract or who have saved up on some hard-earned cash for their first car. Low insurance is another plus factor with this car which adds to it's attraction for the budget conscious. It is very comfortable to drive with a stylish dashboard and there is plenty of storage space for a variety of purposes. Fiat 500 The old model was incredibly popular in Italy in the 70s and 80s and the new models are still popular in our current days. The 500 is known for being compact, nimble and easy to park in a variety of situations (don't block off your neighbours though!). Some drivers would prefer any of the Mini models although they may be more expensive, but a 500 is great fun to take to any adventurous excursion with your friends and will likely provide an unforgettable first-time driving experience. Completely affordable and economical in terms of consumption, it is definitely a good choice for budding drivers (particularly second-hand purchases). We hope you can find these three choices informative and helpful in your eventual first-choice car purchase. Happy driving!
You've had an accident - now how do you get your car repaired? After an accident, however minor, you’re likely to be feeling pretty shaken up and certainly not in the right frame of mind for organising the necessary repairs. A car insurance company with a sympathetic approach can make this time go far more smoothly for its customers, enabling them to make decisions for themselves, but being on hand to give advice when necessary. Although it may sound like a cliché, in the immediate aftermath of a prang, even if you feel racked with guilt – never admit liability. Blurting out an apology and taking the blame is a natural reaction, but this kind of admission can lead to your insurance cover being invalidated, and you being left with a hefty repair bill. So save clearing your conscience for when you get home. Next, always call your insurance company as soon as possible, they will be able to advise you of the next step and get the procedure underway. You may be given a single garage to consult for repairs or, more commonly, a list of car maintenance experts who work with the insurer. If you are given a choice or an entirely free reign when choosing where to take your car, make sure you do your homework. Check for online reviews and read what customers have written about similar repairs, ask around your friends and even put out a few requests for insider information on your social media sites. It may seem like a slight over reaction, but not all garages are the same and making an informed choice could save a lot of heartache in the long run. In an ideal world, once you have found a reliable garage, your car is repaired by their experts, your insurer pays out the agreed amount and you get back on the road. On the other hand, should the garage decide the repairs are not economically viable, it can be a tricky time. If repairs will cost more than ¾ of the market value of your car, it’s likely the insurer will push for a write-off. If you disagree, in order to dispute their decision you must be able to show proof that the car is worth more than they estimate. This can be in the form of a statement from a recognised dealer or adverts for similar cars in trade magazines. Put your evidence in a letter, explaining you’d like them to reconsider their initial offer and expect to hear back within a few weeks. Failing that, you have six months from when your negotiations with the insurer breaks down, to approach the Financial Ombudsman Service (FOS) for help. Taking on an insurance giant can feel intimidating, but the FOS will act on your behalf and their services are free. According to the Financial Services and Markets Act 2000 (FSMA), companies are compelled by law to treat their customers fairly and the FOS deals with enforcing the principles of this act. The cost of insurance is high and every woman has a right to an efficient service when you have to make a claim. If that doesn’t happen and you face obstacles along the way, don’t forget that help is available.
Britain's Top Cars for Female Drivers Although there are lots of jokes about female drivers, most insurance firms consider women drivers to be safer than male drivers, particularly those in their first few years on the road. Current DVLA stats show that 10 million of the UK’s 25 million drivers are women, so female drivers represent 40% of the market. Although that’s a large marketplace, car manufacturers don’t produce cars specifically for women. Surveys A recent survey by Confused.com tried to define the best cars for women and came up with models like the Volkswagen Beetle and the Ford Fiesta. The Mini cabriolet, Fiat 500C and the Peugeot 207 were also towards the top of the list, and the women surveyed also praised the Ford Ka. Most of these choices are reasonably predictable for anyone with an interest in the car industry as cars like the Ford Ka are marketed towards female drivers, but statistics can be made to show an expected outcome rather than reflect the truth. That’s particularly true with the Ford Fiesta. It was also towards the top of another survey that asked drivers under the age of 25 for their favourite cars and it’s the country’s top selling car at the moment, so finding it towards the top of any British motoring survey isn't a surprise. Women’s World Car of the Year Award Listing the Fiesta towards the top of the chart doesn’t mean that women only go for small city cars. The car that won the Women’s World Car of the Year Award 2012 wasn’t a city car, but a mean off roader that most drivers would stereotype as a man’s car. The Range Rover Evoque won the award that’s voted for by the world’s most prominent women motoring writers last year and not because it’s the prettiest Range Rover (which it is) but because it’s the sleekest and smallest model in Range Rover’s line-up and when fitted with the 2.2 litre diesel, it's the greenest Range Rover with just 129g/km of CO2 emissions. Top Registered Cars for Female Drivers Whether you believe that the Evoque is really one of the best cars for anyone or not, it’s not one of the most popular cars for female drivers, regardless of what women motoring writers think. That honour goes to the Ford Fiesta, which is quickly followed by the Vauxhall Corsa. The Ford Focus, Renault Clio and Vauxhall Astra round out the top five cars registered with the DVLA by female owners. The news that there are no Range Rovers in the top twenty cars registered to female owners is hardly surprising as they are expensive and exclusive cars with a very high insurance rating, but the top twenty does include stereotypically male cars like the BMW 3-Series and the Vauxhall Zafira, which goes to prove that you should take a quick look at the driver who’s just cut you up in traffic before shouting out a gender related obscenity.
Car Documentation Carrying excess documents has always proven to be a burden for many drivers, particularly when the nightmare scenario of the police asking for them springs up. Not that you have anything to hide, it is just that with 3 kids at the back and the husband nagging searching for paper documents such as insurance may mean sheer physical and emotional pain. It may come as a surprise for the majority of drivers that it is not necessary to actually carry a physical copy of your insurance documents with you, as the Motor Vehicles (Electronic Communication of Certificates of Insurance) 2010 came into effect in April 30th of 2010. This order gave the possibility of eliminating a paper copy of an insurance certificate for your car, and allowed for insurance certificates to be electronically delivered. An incredible 40 million paper certificates are issued each year which are just insurance, and the possibility of electronic insurance certificates is not only greatly economical overall but also does its part for the environment in saving considerable resources. Electronic insurance certificates will also allow for a more streamlined control process on the part of authorities, without the need for showing a physical certificate every time one is needed during specific check-ups. Do I still need to Carry Insurance Documents? Under normal circumstances the answer is a resounding no going with the information given above. The Motor Vehicles Order 2010 has amended what were the previous archaic laws of the Road Traffic Act 1988, which not only required that a physical copy of the insurance papers be sent to the insured but also that access of these physical copies be given to the authorities which requested them. In short, the previous act needed you to carry your papers at all times after the insurance company had sent them to you by post. This is now no longer necessary as the relevant insurance certificates are sent to you via the widely known electronic means available. For instance, a certificate may be sent to you via e-mail while also being accessible by you on a specific section of the insurance company's website. By typing in a username and password you will have instance access to your certificate and any other relevant data via any mobile hardware, such as a tablet, phone or similar devices. Of course, what this means is that authorities can also instantly have access to this data as long as you allow them to. This means considerably saving time during check ups, and less stress and worrying on your part. No need to search for documents any more while trying to reach your preferred destination, whether you are going on holiday with the family or on the way to work. If needed the insurance company can obviously still provide the authorities with a written copy, though with the current laws this is unnecessary in the vast majority of cases (it will not be requested unless there are severely grave infringements). So rest assured and you can normally leave those dusty paper sheets behind when travelling in the future. HOWEVER: When the authorities check up on whether or not you are insured they consult a database called, would you believe, The Car Insurance Database which in theory lists every car insurance policy in the UK. The problem is that it is often several days out of date. This means that if you have recently taken out your policy it may not be listed; if you have bought a short-term policy it could even have expired before it's details have even been uploaded. Police officers can be, quite rightly, suspicious of any drivers who cannot prove that they are properly insured and they have draconian powers to confiscate vehicles they suspect may be driven without proper cover so if you have only bought your policy recently it may be best to carry the insurance certificate with you for a couple of days - problems can, and do occur and the consequences for a motorist can still be quite severe, whether he or she is innocent or not.
The Road Traffic Act: bits you need to know about! The Road Traffic Act determines how drivers, and others, should behave on the roads – but how well do you understand your obligations? For example, on a particularly bad day, you have three road traffic accidents, injuring a badger, a dog and a cat, respectively. What are you required to do* (yes, this is a serious question)? Most drivers understand ‘serious’ offences result in heavy fines, penalty points, obligatory disqualification and a real possibility of imprisonment. Such offences include dangerous driving causing death; driving offences involving drink or drugs; and driving whilst disqualified. Interestingly, failing to report an accident to the police also carries a possible six-month prison term. During 2011, a total of 3,235 motorists in England and Wales were charged with dangerous driving offences. However, there is a downward trend: overall traffic offences were 888,000 in 2011, a reduction of 12.6 per cent on the previous year. For the ‘lesser’ offences, where the threat of imprisonment is removed, penalties can still be severe. Driving without car insurance, for example, attracts a maximum fine of £5,000 and 6-8 points. Yet, for most drivers, it is those everyday moments of inattention which risk a brush with the law. Child passengers can be trying at times, but if they refuse to wear a seatbelt, the fine can be up to £500. Similarly, if you are driving whilst ‘refereeing’ a back-seat dispute, you may be deemed not to have ‘proper control of the vehicle’, or otherwise lack a ‘full view of the road ahead’ – an offence attracting a possible £1,000 fine. In certain circumstances, a ringing mobile phone can demand even more attention than a child. In crawling traffic, for example, taking a quick call or reading your texts can seem to pose very little risk. Nevertheless, the Road Traffic Act maximum penalty is a £1,000 fine, 3 penalty points and the ‘discretionary’ possibility of a driving ban. For drivers without vehicle maintenance skills, it can often be difficult to recognise exactly when your car slips from ‘needing a service’ to becoming unroadworthy. Even so, the Road Traffic Act deems the driver responsible for the condition of the car, with offences involving brake, tyre and steering defects liable to a fine of up to £2,500, 3 penalty points and a discretionary driving ban. Confusing speed limits can make criminals of us all, and the law recognises this, to a small extent, by imposing a range of fines up to a maximum of £1,000, with 3-6 points and a discretionary ban. On a brighter note, some first-offenders are given the alternative option of attending a remedial course with a fine and no points. As regards your animal mishaps, under Road Traffic Act provisions you must report the dog accident to the police – but not the cat. Badgers are a protected species, so you must not be ‘in possession’ of one, dead or alive – best to leave it at the roadside, inform the police anyway, and try to enjoy what’s left of your day.
Why driving is different for a woman Female drivers have been the butt of many jokes and snide remarks by male drivers. However, the fact remains that ladies comprise over a third of the driving population and they are not the road menace that most men seem to claim. Female drivers have to deal with the same issues that most men do, such as dealing with breakdowns, with horrendous traffic, and bad drivers. They also have to cope with a few more issues that do not seem to trouble the men. Mechanical Problems Many women are perfectly able to deal with mechanical problems that may occur. Some can't, but in most cases it is because they are simply not trained to do so; or they just don't want to. Not that most men are able to cope with them either, but they pretend that they know exactly what is happening under the bonnet. Hence, women worry about being stranded in lonely places with a stalled vehicle and unable to access any assistance. It is, therefore, better if they at least learn how to change a tyre, or at least keep the roadside assistance emergency phone numbers handy. Membership of one of the main motoring organisations like the AA or RAC can be a very sensible investment. Kids' Seating Women are concerned about how their children are going to be accommodated; whether the car seats are correct and sturdy, whether the interiors of the cars can take the rough handling by the children. More than the men, they understand that children cannot be controlled easily; you need to adjust to their needs. Hence, car interiors need to be child-friendly. Utility Rather than Style For men, the car brand is a matter of great importance. For women drivers, the ease of driving and parking is of more significance. They are less concerned about the higher performance levels of their cars than the men. They are more interested in knowing how often they have to refuel their car; how much maintenance it will require; and how easy it is to drive. Safety Concerns Women are less likely to drive under the influence of alcohol, and they also collect fewer speeding tickets. The general male reaction to a statement like this is that there are fewer women drivers, but the truth is that women are more concerned about the safety of their passengers, since they do most of the chauffeuring for the family. Men do most of the driving at night, and most alcohol-related mishaps happen then. Confidence Issues Most men would drive a new car with great aplomb; showing off a little bit and behaving as if they know exactly what they are doing. Most women will be hesitant around a new car and will take time to adjust to the nuances that any new vehicle carries with it. This hesitancy is often carried forward into their driving abilities on the road, as they tend to take fewer risks. It is not so much a lack of confidence issue, as it is a tendency towards caution rather than flair.
Fine tuning your insurance details Insurers use complex computer programs to maximise their profits. There is no longer a fixed price for an insurance policy, and the cost could vary considerably even though the benefits stay exactly the same. Here are a few of the reasons why this can happen; being aware of what's going on may save you some money. Supply and Demand There are millions of individual car insurance price comparisons carried out every day, and tens of thousands of sales. This means that insurers can very quickly spot which policies are selling well at any particular time, and which are not. The best sellers of today are not necessarily the best ones tomorrow as different factors come into play. Is the weather bad? More people are staying at home so they go online and get some quotes for their car insurance. There is a burst of sales which may mean prices will change. If a particular policy is selling well, but it has a low profit margin, the price may increase subtly. This may reduce sales but the increase in profit margin may compensate for this. Do sales fall too quickly? A little discounting may be necessary to maintain market share. Has there been a terrorist outrage somewhere? People will think of safety first, so well established brands with more expensive policies may do well. Having a heatwave? There's not going to be much business about so it's time to push the cheaper brands and perhaps increase the prices on the more expensive ones so that the lower priced ones seem to be a better bargain. The day of the week can make a difference. Sundays are quiet so prices may fall a little bit, Monday is hectic so they can firm up. The time of the month can make a difference too. Towards the end of the month a lot of people get paid and they sort out the main bills all at once; a couple of weeks later we're all broke and the special offers have to come out again. How desperate is the customer? Many people who use price comparison sites will start looking at prices well before the date their next policy is due. The insurers know when this date is, because it's one of the questions they ask. They are aware that most visitors are likely to abandon their search, without actually buying a policy, because time is on their side. This means that the time for a really good offer is right now, before a potential customer goes off to look at a rival site.Conversely, there are a lot of last-minute shoppers about! These motorists have left their renewal a little late; if they don't buy a policy now they will have to accept the quotes that their existing insurers have given them, and which are almost certainly more expensive than last year's. The result: increasing the prices by a little probably won't hurt sales. How do you turn this to your advantage? Pay all your bills well in advance, then start comparing prices a month before your renewal is due, on a peaceful, sunny, Sunday morning in the middle of the month. You'll have a good chance of saving a few pounds but who wants to sit over a computer when everyone else is out in the sunshine, enjoying picnics? Alternatively, do what I always do; phone the existing insurer, tell them they're great but you can't afford the renewal premium so you're off. They'll offer you a nice discount, and you'll save enough money to buy a picnic hamper from Fortnum and Masons.
What influences the cost of your car insurance? Annual motor insurance premiums can vary considerably from person to person. Insurers will say this is because we each pose a different insurance ‘risk’ which must be individually assessed. That may be so, but does not quite explain why individual insurers can rate the same ‘risk’ quite differently. However, insurance companies have have become very sophisticated at assessing that risk. Firstly, they have a lot of information about you before you even start to fill in an application form. Some of this comes from trade databases such as: The Claims Underwriting Exchange (CUE); this records every insurance claim that's made in the UK; The Insurance Fraud Register (IFR): this records details of everyone convicted of insurance fraud; The Motor Insurance Anti-Fraud and Theft Register (MIAFTR): this records all vehicles which have been written off in accidents, or stolen but not recovered; The My Licence Database: this allows insurers to check on the driving licence status of applicants; The Motor Insurance Database: this holds details of every insured vehicle in the UK. As if this wasn't enough, there is a huge amount of data available in the public domain. It is only recently that Admiral attempted to search Facebook automatically for information about the personal lives of applicants; they were stopped from doing so, but that doesn't prevent them from doing a manual search. Have you spoken about your wild parties on Twitter or Snapchat? That could be the reason why your premium has shot up. Missed a mortgage payment or two? Insurers may see that as a sign you might skimp on maintaining your car, so there is another excuse for a premium hike. Then there are still the traditional methods of assessing you. Let’s look at some major things which influence the size of your insurance premium:• Age – As elsewhere in life, age matters. Statistically, younger drivers are involved in many more accidents, with 40% of 17-year-olds having accidents within six months of passing their driving test. Next in that list come senior drivers, and then the rest of us. Don’t ever be tempted to add on, or leave off, a couple of years to get better rates. Your insurance cover will be declared invalid when insurers find out – and they will (your driving licence gets checked whenever you claim).• Gender – Once again, available figures report that young male drivers have the most expensive claims record – the average cost of each claim for males 17-19 is now £4,473. On average female drivers are safer, and cause fewer accidents, than their male counterparts. Under EU law it is illegal to charge different premiums based on gender – so now we all pay more!• Location – Where you live affects your premium too. In rural counties with fewer cities and lower traffic density, premiums are lower. However, inner city areas with higher traffic volumes attract higher premiums. Moreover, higher crime rates in such areas will tend to push motor premiums covering theft and vandalism higher still.• Claims history – Having accidents confirms you as a higher risk and increases your premium. Though ‘no fault’ accidents may exonerate you from blame, some insurers (but not all), if they still have to pay out, argue that you are bad for business and hike your premium anyway. Again, don’t be tempted not to declare previous accidents. Companies share information to cut down fraud and concealing facts invalidates your cover.• Policy Cover – the three types are shown below, in descending order of cost: 1. Fully Comprehensive cover is the widest available. It covers you for damage to your own car, and damage or injury to third parties, if you are held responsible. It is NOT necessarily the cheapest! Some insurers are wary of clients who try to cut costs by buying less cover (and who may not take as much care of their vehicles), so they price their policies accordingly. 2. Third Party, Fire & Theft covers you for damage or injury to third parties, if you are held responsible, and loss or damage to your own car by fire or theft. 3. Third Party Only covers you for damage or injury to third parties, if you are held responsible. There is no cover for your own car. • Car Rating Group – All other things being equal, driving a Porsche probably poses more risk than driving a Skoda. This is why cars are placed in ‘groups’ for insurance purposes. Fast, high-powered cars with large engines will cost much more to insure than low-power, economy models, partly because they can potentially cause a lot more damage but also because they tend to cost more to repair. Vehicles with a good safety record and/or cheap spares attract a lower rating and vice versa.• No Claim Discount – The good news. For every claim-free year up to a certain number, your company should give you a premium discount. Accumulating consecutive claim-free years builds towards higher discounts and cheaper premiums. Focus on your actual number of claim-free years. Discounts vary, but it’s always the number of years which earns the discount. Finally, just a thought - when almost every study shows black cars have around 12% more accidents, why don’t insurers offer a colour-based discount?
Eliminating car insurance gender bias - is it working as planned? On the 21st of December 2012 a European Union mandate came into effect making it illegal to charge different rates of car insurance based on gender. On the surface this may seem like a well intentioned law for the prevention of discrimination due to the ultimate accident of birth, but in practice this is exactly the kind of good intention that the paving stone based proverb warned us against. There exists an exaggerated stereotype of the boy racer, driving a loud car with an outsized engine above the town's speed limit with the joint intentions of impressing the girls and riling the elderly. Of course this cliche is insulting to the thousands of men who learn to drive each year without being tempted to perform doughnuts in the municipal park but at the same time there are no exhaust fumes without fire. Young men aged between 17 and 22 are ten times more likely to be in accident than adults aged over 35, whilst the cost of their individual claims average out at £3,300 higher. Whether these numbers are the result of aggressive 'Lad' culture or just down to excess testosterone is a subjective opinion, but the impact on insurance rates is plain for all to see. Prior to the mandate coming into effect the Automobile Association charged women in the 17-22 age bracket almost £900 less per year than their male counterparts. When the law changed the difference had to be made up from the female side, so they saw a rise in their premiums to match the drop in male rates. A broad average was calculated at £300 per year. The upshot of this is that an innocent party must pay to cover a recklessness for which they are blameless. Before the changes came into effect there existed specialist insurance companies that catered only to female parties. By doing so these groups could offer discounted rates as standard and allow women drivers to take advantage. Gaudy pink advertising campaigns proliferated with tacky jingles that inverted the crass misogynistic snubbing of female drivers and instead wooed them as something privileged and special. After the ruling such companies are required by law to cater equally to men and have no legal ability to discriminate against these potentially expensive clients. The only way left to discourage these menfolk is to try and dissuade them with pink envelopes and female focused gifts, a strategy that will only work up to a point. In the time since the ruling came into effect it was inevitable that insurance rates would have become more expensive for young women and this has proven to be the case. It should be noted that in spite of this mandated equality, the average annual wage earned by female workers in 2016 is lower than the male average by £5,600. It is troubling to accept that there is no easy European Union mandate that could address such an endemic disparity and that a comparatively small equalizer has been lost.
Shopping Around for UK Car Insurance - Is it really worth while? Looking for cheaper insurance for your car? Most older drivers pay far higher premiums than they should, considering their lower accident records. Young people aged 16 to 18 pay up to six times more on insurance premiums than drivers aged over 60 do, and for some motorists their insurance payments account for 18 per cent of their monthly salary. With insurance prices seemingly on the rise, is it possible to shop around for cheaper car cover without sacrificing quality? Here are some of the different options available to we women. Price Comparison Websites Price comparison websites are usually the first place consumers go when they are looking for a new car insurance policy. They offer a quick and easy way to check the price of dozens of different insurance companies, and some websites boast that 99 per cent of people can find a cheaper quote using their service. Rather than filling in personal details for every insurer, customers enter them just once on a comparison website and it checks the prices of all available policies in just a few minutes. It's easy to see why these websites are so popular, but they do have their disadvantages. Some insurance companies have withdrawn their policies from appearing in results in an effort to attract customers themselves. Other insurance companies that actually own comparison sites have been accused of bias. Also, it can be difficult to customise a policy for those who require specialised insurance needs. Insurance Brokers Thanks to the rise of price comparison websites, most consumers don't think about consulting an insurance broker. In fact, most consumers don't know exactly what it is an insurance broker does. Insurance brokers act as an intermediary between insurance providers and the consumer. A good broker knows the market and the best providers, and they know how to get the best deal for their customers. However, brokers are now a niche part of the insurance industry, and it can be difficult to find a broker with good recommendations. Customers also have to pay for their services, which can increase the overall price of an insurance policy. However, insurance brokers can be invaluable for drivers who have special circumstances. Specialist brokers serve a purpose for drivers who have a criminal conviction or disability which affects their insurance policy. Some brokers also have experience of the import car market and commercial car insurance. While the majority of drivers won't benefit from paying for an insurance broker, their services are very useful for drivers with specific requirements. Insurance Companies It's easy to overlook the option of shopping direct with insurance companies. Many motorists instinctively trust talking meerkats or loud opera singers with their car insurance policies, but checking individual insurance providers has its advantages. It may take longer to input personal information into several different websites, but most insurance providers offer more detailed policy options as well as the likes of multi-car discounts and cashback offers. Some insurers cannot be checked via price comparison websites and these are usually the type of providers which offer cheaper policies for customers who go direct. Also, some companies offer discounted prices on other insurance policies and supermarket providers often have the likes of loyalty card points, in-store deals and breakdown cover. Is Shopping Around Worth the Time? Motorists have several ways to shop for car insurance, and the savings they can enjoy definitely makes the effort worthwhile. Although the majority of motorists will find a good deal with price comparison websites or going direct to the insurers themselves, insurance brokers shouldn't be disregarded for those who have specialist cover requirements.