Getting car insurance has gotten a lot easier over the past 20 years with the emergence of many new online insurers, comparison websites and many traditional insurers moving their operation online.
Now the problem arises of who to choose when there are so many options. While every car insurer is offering essentially the same three different types of insurance, the prices and policies will differ depending on a whole host of factors.
It is a good idea to first consider what is most important to you when choosing a car insurance provider. Is it price? Customer service? Coverage?
Answering this question will allow you to narrow your search and quickly find the ideal insurer for you. However, you will still need to complete a survey to receive a quote, as you might not get one that is as good as everyone else’s.
Before we reveal the list of the five best online car insurance providers of 2020, we should outline why they are the best.
The first thing to consider is the coverage and policy the provider offers. Selecting the cheapest policy may not cover you for certain types of accidents for example. Insurance companies also include a range of extras that are very valuable to drivers such as complimentary road-side assistance. Taking all of these extras into consideration can be complicated, but it’s worth it.
The second thing to consider is customer service. While we don’t like to think about what will happen if we do get into an accident, thinking about it and researching customer service ratings will pay dividends if that unfortunate day does come. While you may be receiving your quote online, you could always phone to get an idea of how they treat their customers. We have scoured the internet for reviews and ratings to determine which insurers are considered the best in this department.
Price is the last thing to consider and maybe the most important. While this does change a lot from person to person, we have a good idea of the general value these online insurers provide. It’s always important to compare this aspect and don’t be scared to change insurers down the line if someone offers a better rate.
The 5 best online car insurers of 2020
We have done extensive research in all areas to determine which companies come out on top overall. While some other companies may excel in certain areas, these companies scored highly across many factors.
- NFU Mutual
This insurance company may not ring a bell, which isn’t surprising as it started as a car insurance provider for farmers. Since its inception, it has reached new heights and is loved by its customers for good reason. Their comprehensive policy comes with European cover and the highest level of protection with great added benefits. Customers also have the option to pay monthly without interest; a unique feature that is welcomed by their loyal customers.
Aviva is the largest car insurance provider in the UK and has been for some time. They provide exceptional legal cover included as standard of up to £5 million. The reputation and customer service is excellent, but where Aviva does underperform is with EU cover, which is reduced from comprehensive to third-party.
Saga might not interest everyone as they only insure drivers over the age of 50. They have a good reputation amongst their customer base with good customer service ratings. Audio and accident cover is included automatically at no extra cost, as is unlimited driving in the EU.
M&S may not be the first company you think of when you’re looking for car insurance, but it isn’t just a gimmick. As with the supermarkets, the customer service is great and so are their comprehensive policies. They include a lot of benefits as standard apart from a temporary car replacement. One thing that isn’t great about M&S as a car insurance provider is that you have to pay extra to make changes to your policy and to pay in monthly instalments.
- Direct Line
You won’t find Direct Line on comparison websites remember; you will have to go directly to them to receive a quote. Being a household name for some time, Direct Line has a good reputation and offers great policies with lots of added extras. They offer one of the best multi-car discounts on the market, but adding breakdown cover isn’t cheap. On the bright side, there are no extra fees to make changes to or cancel your policy.
Remember, these are general factors based on broad statistics and public perception. It is very important to get quotes from your preferred car insurance providers, or better yet, visit comparison websites to simplify the process. While the price may be your primary factor for consideration, you have to make sure that you are getting the best coverage for your situation with the most beneficial added extras. All of these online providers make it very easy for you to complete the process online, so you shouldn’t have any problems deciding.