



Insurance comparison sites say that they give consumers the tools they need to find the best car insurance deals. They claim that they have created a more competitive marketplace as internet technology has enabled users to more easily compare multiple policies and premiums against each other. This, they say, has actually kept car insurance premiums down.
Detractors, on the other hand, point out that claims of comparing the whole market are misleading as not all insurers are represented on all comparison sites. They claim that some, if not most, of the comparison sites offer featured listings and special placements for those companies who buy advertising from them. In addition, they state, the premium comparisons are deceptive, and the criteria relies too heavily on “cheap rates” without taking into account good service and policy features. Finally, they claim, the increase in price comparison sites – most of which derive at least part of their income from referrals to the various insurers quoted – has added the cost of paying a middleman to the insurers’ cost of doing business. This added cost, of course, gets passed on to the consumer.
In fact, car insurance comparison sites can be a valuable tool for consumers who are looking for the best motor insurance deal – as long as you keep a few considerations in mind.

The online system was slow and crashed several times, forcing transportation officials to extend the deadline until noon Tuesday for dealers to submit their paperwork.
Auto-Nation, the country's biggest car dealership chain, stopped accepting clunker program trade-ins over the weekend because it was concerned about getting in all of the paperwork on the more than 12,000 deals it did. The company processed 1,600 sales on Friday night alone, and employees worked in shifts at offices in Dallas throughout the weekend.
"This is the jump-start to a gradual recovery," said Marc Cannon, a spokesman for AutoNation.
Transportation officials said 625,000 transactions, worth $2.58 billion, had been submitted as of Monday morning.
The Obama administration declared the program a success. An estimate issued Monday by the White House Council of Economic Advisers said the program is projected to boost U.S. third-quarter gross domestic product by 0.3 to 0.4 percentage points and create 42,000 jobs by the end of 2009.
Many auto industry analysts and dealers expect sales volumes to fall now that the program is over. They worry that many people who took advantage of the program were merely accelerating purchases they would have made later in the year.
If that's true, the premature sales could hurt automakers, which increased production in the third quarter to replenish clunker-depleted inventories that had already grown low because of factory shutdowns over the summer.
Because there's a lag time between production and getting a vehicle to a dealership, the new vehicles "will hit when there's a lower demand," said Jeff Schuster, executive director of forecasting at the auto industry research firm J.D. Power and associates.
"There might not be as many people to buy because they bought during the clunker program," he said. "And if at the same time there's less of an incentive program from carmakers, you could have fewer people buying. That could stall the recovery we're in."
Jeremy Anwyl, chief executive of Edmunds.com, another automotive research group, agreed.
" 'Cash for Clunkers' created a nice little blip," he said. "We'll look back and say, 'Nice party, but the hangover is awful.' "
For now, people are just happy with the deals they got.
John and Debby Giancoli of Silver Spring were headed to the Delaware coast Saturday and were past Baltimore when they heard on the radio that the clunker program was ending Monday night. Worried that they wouldn't get in on the action, they turned around and headed to Herson's Honda in Rockville, where they traded in a 1999 Ford Explorer for a new Honda Odyssey minivan.
"This was too good a deal not to do it," Debby Giancoli said.

Engine Capacity - 799
Transmission - A/SAT5
CO2 emissions - 88 g/km
Fuel type - D
Fuel cost of driving 12,000 miles - £720
Engine Capacity - 1560
Transmission - M5
CO2 emissions - 98 g/km
Fuel type - D
Fuel cost of driving 12,000 miles - £808
Engine Capacity - 1422
Transmission - M5
CO2 emissions - 99 g/km
Fuel type - D
Fuel cost of driving 12,000 miles - £830
Engine Capacity - 1422
Transmission - M5
CO2 emissions - 99 g/km
Fuel type - D
Fuel cost of driving 12,000 miles - £830
Engine Capacity - 1422
Transmission - M5
CO2 emissions - 99 g/km
Fuel type - D
Fuel cost of driving 12,000 miles - £830
Engine Capacity - 1560
Transmission - M6
CO2 emissions - 104 g/km
Fuel type - D
Fuel cost of driving 12,000 miles - £851
Engine Capacity - 1497
Transmission - E-CVT
CO2 emissions - 104 g/km
Fuel type - P
Fuel cost of driving 12,000 miles - £880
Engine Capacity - 999
Transmission - A5
CO2 emissions - 103 g/km
Fuel type - P
Fuel cost of driving 12,000 miles - £880
Engine Capacity - 998
Transmission - M5
CO2 emissions - 99 g/km
Fuel type - P
Fuel cost of driving 12,000 miles - £880
