Obtaining car insurance quotes has been made easier than it has even been before thanks to the Internet, but not everyone is taking full advantage of their options. Individuals are still renewing their existing car insurance product without even looking around, despite the fact they could save 500 pounds and sometimes even more.

Mrs Harding should be taken as an example. She currently has a year old Jaguar XKR Coupe and was paying through the nose for her insurance. However, she saved 384 pounds by switching to Churchill from the provider she had been with for many years previously. She found Churchill on a comparison site and, after her 5 years no claims bonus was taken into account she saved a tidy sum of money.

Mrs Harding is just one of the thousands of drivers saving money by using a car insurance comparison site, or aggregator as it is officially known. It is easy to get a whole host of quotes from an aggregator by just filling in a few details, such as the car make and model, your postcode, your age and your no claims bonus. An aggregator will usually return between 10 and 100 results, depending on which one you choose to use.

Aggregator sites provide you with the ability to compare car insurance quotes very quickly, and many also make it easier with easy to read tables. You can easily compare the cost of premiums, level of cover and even the individual elements of the policy within a few minutes whilst sitting in your lounge at home.

That is not to say that aggregator sites do not have disadvantages because they do. For example, it makes it easier for a driver to just compare price and take the cheapest policy out without actually looking at the policy. Some features that are considered essential by the individual driver may just be left out. Also, aggregators do not ask all of the questions required to formulate a quote so the price you are given is just a guide price instead of a definitive quote.

In most cases, the final price will be much higher, as Mr Bennett found out when trying to insure his Vauxhall Corsa 394 pounds as per the quote he was given. It actually cost him 479 pounds because he had no car alarm. This was not a question asked by the aggregator.

It maybe best if you just want to use a household brand name insurer to use the aggregator to compare only these quotes. This may save you a little time but probably not that much.

Going directly to an insurer can have its advantages. You are asked the relevant questions every time and can choose the insurers you prefer to get a quote. It may take a little more time but it may be worth it in the long term.