For the third year around, NFU Mutual has been declared by Auto Express magazine as Britain’s ‘best car insurance provider.’  But what exactly is the basis for giving such title and recognition?

Of course, there is the survey conducted by Auto Express, gathering customer reviews on the performance of 45 leading car insurers.  And, the survey said: NFU Mutual has outdone the 44 others be it in according to the value for money, helpfulness, communication or overall performance.  NFU Mutual was number one in all of these categories.

Nevertheless, anyone can do his own survey and claim success, and a company may exceed the rest only in certain aspects.  For instance, a website survey reveals both Swiftcover and Kwik-Fit hitting the number one spot as cheapest insurers in the UK.

The question is, should you be happy with your current provider’s performance and stick to it in the years to come? You might want to think about it more and consider the reality that the best rates are just offered when you’re a new customer and renewal quotes are usually uncompetitive.

To aid in your decision-making, use a comparison 2.0 website in learning about the performance of different companies and options available to you.  Don’t just pick the cheapest policy.

Although value for money is an important consideration, keep in mind that there are still other cash-saving measures, such as opting for annual payment instead of monthly.  This cuts out interest charges.  Many insurers give discount for more security, parking your car in a garage when at home, listing only a few named drivers of the car, and setting limit to mileage.