There are so many car insurance policies out there so how do you know which is best for you? It is important to choose the right policy for your needs because if you don’t then you may either pay too much for your car insurance or you may be left stranded with no cover if something goes wrong and you are not covered.

Every person has different needs and insurance companies know that and so offer a range of benefits which are included in their car insurance policies – but what if you don’t need these benefits? Why should you pay more for your insurance because you get covered for things you don’t need, you shouldn’t, and you don’t have to.

There are a number of benefits that might be included in your policy such as; Trailer cover, Personal Items cover, New Car Replacement, Baby Seat Cover, Essential Repairs, Car Rental following theft or collision, Ability to choose repairer, and so on. You pay for these benefits in your premium but if you don’t need these benefits then you can choose a policy that excludes them and in doing so save a heap of money.

For example, many policies have emergency accommodation and transport as a benefit if you have an accident or your car is stolen more than 100km from home. If you don’t travel more than 100km from your home very much then you might not needs this benefit to be included. You should then, pending price of course, choose a policy without this cover.

Quote My Wheels has compares over 220 policies so you can get the one right for you and not pay for things you don’t need. Below are the steps Quote My Wheels suggests when choosing a car insurance policy to suit your needs and budget;

1Write down what you want to be covered for. If you don’t know exactly then don’t worry because the next step will show you a range of different benefits insurers offer.

2Compare policies against each other. To do this. go to Quote My Wheels' policy match page. Here you can choose which benefits you need and do a search. Quote My Wheels will list all the policies that include those benefits.

3List the policies that you are happy with and which ones have the cover you require. Don’t write down just one or two policies, list around 5 so you can pick the best value.

4Compare quotes and then choose the cheapest of the policies from step 3.

It is really easy to get the right policy and will only take 10 min of your time. By doing so you make sure you get a policy which fits your requirements and most importantly budget.