Online car insurance has revolutionised the insurance market for car owners. If a car insurance provider isn't offering free online car insurance quotes, then they are probably not worth worrying about. BUT.....

Not all online quotes for car insurance are the the same. For example, take the big comparison websites. They provide free car insurance quotes from a huge number of providers but at a price to the car insurance provider. The comparison websites take a big commission and car insurance providers are forced to cut their profit margins to the minimum. You probably think that is a good thing, and generally you are right, but the car insurance provider has to cut back the product to stay profitable. Read the online car insurance quote small print for things like:

• A large excess - £500 or more.

• No windscreen cover.

• No courtesy car cover.

• Limited annual mileage.

When you look at all the restrictions, some of the quotes for car insurance are not quite as good as they first seem. In addition, some cheap car insurance providers refuse to pay the big commission to the comparison website and are therefore not quoted at all.

So what does this mean to you when seeking a cheap car insurance quote? The golden rules of instant car insurance quotes are:

• Don't just use get one online car insurance quote. Use several comparison sites and try a Google search.

• If the cheap car insurance quote looks too good to be true, check the small print for a large excess, no windscreen cover, etc, etc. You can get cheap add-on excess insurance that may be cheaper insurance quote.

• Speak to your existing provider to see if they can beat your free online car insurance quote.

• The cheapest car insurance quote is not necessarily the best.

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