Comparing car insurance quotes: the checklist to have ready

Policy numbers, claim history and the add-ons worth paying for, so a quote takes ten minutes instead of an hour.

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The short version

Write the number down before you start, compare at least three options, and read the cancellation terms. Most surprises live in the fees section.

• Decide your budget before you browse.
• Shortlist two or three options, not ten.
• Check reviews from people who have owned it for a few months.

Bottom line

Buy for how you’ll actually use it. The best option is the one that fits your routine, not the one with the longest feature list.