Shopping for the cheapest car insurance offers can prove expensive.Once you’ve found the best deal by sorting through all the offers that are available on the internet you’re legal to drive and that’s all fine. But what happens if anything goes wrong? The cliche that you get what you pay for comes to mind, if you’re only paying 3.99 per month for your insurance you will probably find that there is even smaller print under the small print and very small print is very never good news. You might find that your fully comp is only fully comp between the hours of 03:00 and 03:05 on a Monday morning when there’s an R in the month or some other clause that means the in surer doesn’t have to pay.

In the short term car insurance of this nature is sufficient, it allows you to use your car legally but long term it’s useless since if your vehicle is wrecked or you suffer a serious injury you will hardly receive any money for repairs or physiotherapy.

Another problem with buying the very absolute cheapest cover available could be that the insurers aren’t as solvent as you’d might think. You might find a company which is offering bargain basement prices but have you heard of them? Who are their underwriters? If they’re a small start-up business offering low low deals what if you have an problem which they can’t actually afford to cover? Bankrupt them and you’ll get next to nothing. Again, provided it’s temporary car insurance of this kind is sufficient but not always the value for money you were hoping for.

But I’m just as guilty of it as any-one. I never remember: “Buy Cheap And You’ll Buy Twice” when I get the thrill of finding a bargain, I think it’s a great price and although it’s not perfect it’ll do. And then I’m disappointed when the things fail to deliver. Every time. One day car insurance will be as transparent as a no quibble guarantee but in the meantime it’s not so if you find any bargains that are ‘too good to be true’ you know what? They are. At least make sure you read that small print.