Pointers On How To Select A Car Insurance Company

September 21, 2017 · Posted in General Articles on Car Insurance · Comment 

There are a lot of car insurance firms that exist in the market, each claiming to be the least expensive and the best. That is exactly the reason why you must do a careful analysis and follow certain principles prior to spending your money on a car insurance.

The primary task is to figure out your exact insurance requirements. It would be prudent to take lesser insurance if your risk quotient falls in the lower risk category. It might expose you to a certain amount of risk, but it is a lot cheaper and the benefits might outweigh the costs.

It is also important to estimate what type of car insurance fits your budget. Since several insurance companies give rebates, you must make the best of the packages on offer to bargain on the type of coverage you want within your limited budget. But a company that has the most inexpensive car insurance quote might not turn out to be the most beneficial if you ever meet with a car accident. Hence, you must carefully read through the terms of the insurance policy and acquaint yourself with the premium amounts and claim privileges.

The employees are usually an excellent pointer to the kind of services the car insurance firm will be able to offer. You can be sure of yourself to be rightly taken care of if your agent is qualified, knowledgeable and pleasant.

You should ensure that you do a complete and careful background verification of the car insurance firms that you find appealing. You must be well-informed about their strengths and credibility, which can be found out with the support of public sources or from their market reputation. You can also do some basic internet research for reviews and opinions on the public forums about the insurance organization.

It is vital to pose your query to the car insurance provider about any confusions that you might have, and precisely what is required from your side in case of an accident. In the end, you should get a deal that fits well with your requirements.

 

Get Young Drivers Insurance

September 20, 2017 · Posted in General Articles on Car Insurance · Comment 

When preparing to buy some young drivers insurance there are many things you must take into consideration,first of all is your young driver properly trained to drive a car, well if he has only a couple of hrs of driving time then no he is not ready. Spending good quality time in the car learning him or her proper driving techniques and good driver etiquette is very important. Many parents are busy trying to make ends meet is this tough economy and think they don’t have the time but they have to make time to teach the new driver.

A ounce of prevention is worth a pound of cure and a parent needs to apply that liberally to their young driver , explain to them all about what what can happen if they have a accident and how it will affect them in the future. Telling your kids that they can be paralyzed or killed if they drive reckless may have a good effect on their driving but bear in mind it can really happen and you have to stamp it into there memory to be ultra careful when driving.

Practice safe driving with your young driver, let them drive the car with you at least 10 to 20 hrs before letting them take off by themselves,having them know how much you care about their safety makes all the difference . They will make less mistakes if they feel as if you are watching over their shoulder,also let them get their confidence early on while they are learning to drive with you in the car.

When searching for young drivers insurance there are some things to keep in mind,first of all you are trying to save some money and you have to get several quotes to find the lowest rates that are available. Then you have to find what you can use to keep the cost low, if your youngster has or will be taking a drivers education course then the insurance company will take that into account , also if he or she is a honor student or has above a 3.0 grade average or better that will help too.

Your driving record is very important and anything that damages your record will have a negative effect on your insurance cost , speeding tickets,reckless driving,DUI,endangerment, or any of the charges related to driving will cause problems.

Take time out to learn about each company that you are considering buying insurance from,each company has their own good advantages and disadvantages. Never assume the cheapest rate is the best thing for you, while one rate may be the lowest it may contain clauses in the fine print that is not in your best interest,such as it could have a arbitration clause that you are not aware of.

Taking Out A Cheap Car Insurance Policy Can Give You More Than Peace Of Mind

September 17, 2017 · Posted in General Articles on Car Insurance · Comment 
In October 2007 the safety organization “Tyresafe” ran a campaign which highlighted how important the tyres of your car are to your safety, with claims on insurance policies resulting from accidents caused by worn or dangerous tyres. In order to emphasize this there has been a request that garages give out free checks to motorists such as checking the pressure of the tyres of drivers that are driving legally on the road with car insurance. So when you take out a cheap car insurance policy you can get more than just peace of mind that you have insurance but also a free tyre check.

It is thought that up to a quarter of all motorists on the road drive around with tyres that are worn and some of these are considered to be deadly. Worn tyres means your car has less grip on the road and with winter and icy weather fast approaching checking your tyres and replacing them is just as important as taking out and finding a cheap car insurance policy. If car insurance prices are to remain low then it is essential that claims are kept to a minimum and worn tyres are just one of the many reasons which can cause an accident and so boost up the cost of car insurance.

If you want the cheapest quotes for car insurance then you can do more than just keep a check on how worn your tyres get, keeping your car parked in a garage instead of on the road, installing the latest security features such as immobilisers, car alarms, etching windows with the number plate and fitting tracking devices call all reduce the cost of the insurance. To make further savings you can limit the type of insurance you take out instead of taking out fully comprehensive insurance which gives the most cover including covering both cars to be repaired if you should be in an accident, fire and theft and giving cover for passengers it is the dearest type of car insurance and you can take out third party. Third party fire and theft will pay for damage done to the other car in an accident and insure your own car if it should be stolen or damaged through fire and is a lot cheaper than taking out fully comp.

If you are not sure which type of car insurance is the right type for your needs then check out the specialists website as they will offer plenty of helpful advice, hints and tips and articles to help you choose the right type of insurance. Along with this you can also learn how to make the best savings on your car insurance and of course out your car insurance policy search in the hands of the specialist broker in order to be able to obtain the best deal. Specialist will be able to conduct a search throughout the entire car insurance marketplace which saves you not only a great deal of time but also money and allows you to insure your car cheaply.

By: David Thomson

About the Author:

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance.

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Car Insurance Top Tips

September 16, 2017 · Posted in General Articles on Car Insurance · Comment 
The car insurance industry has got really competitive in the last few years, so prices haven’t really changed much. There are now over 100 car insurers to choose from, so there are some very good deals out there for those who are prepared to shop around. 23% of motorists still choose to insure with the same company as the year before, but they could undoubtedly save money if they did check out some other companies.

Motorists could be forgiven for not getting other quotes, it used to be a very laborious exercise involving long waits while getting routed through the call centre, and boring repetition of facts to sales advisors. Now, thanks to the internet, it’s all a lot more simple. Car insurers also offer extra discounts to people who buy online.

However, you need to consider the quality of the policy, not just the price:

• Check that your low quotation is not due to an extremely high excess.

• Check that you will get a courtesy car if your car needs to be taken in for repairs.

• Check that legal insurance cover is included, if you want it, and automatic windscreen replacement.

• Find out if there is an accident help line in case of an emergency.

It’s a good idea to ring the insurer direct to talk through the policy in detail before signing up online.

Money saving tips – recommended!

You can get a quote with over 40 car insurers if you input your details into a good car insurance broker’s website. You’ll only need to give your details once. Call the insurer with the quotation to check exactly what is and isn’t covered.

If you have a garage, then you’ll save by keeping your car there overnight. You’ll also make savings if you can keep your car on a driveway. This is because there is more chance your car being broken into or vandalised if it’s kept on the road.

Give your insurer an accurate picture of how many miles you do each year – you will save if you travel less.

Some occupations, like being a landlord, journalist or professional footballer (if only) attract higher premiums. You can save money if you work in finance or the civil service.

Get married! Men under 30 pay more if they’re not married – it’s just the excuse your girlfriend is looking for!

Under 25’s pay more, but you can get lower premiums if can put a driver over the age of 25 with a good driving record on your policy as a named driver. That person must be under 60 though, as premiums rise again at that age.

Agreeing to higher excess (the average cost is £100) will help lower your premiums.

If your car is not of a high value, you could get third party cover and make quite a saving compared to fully comprehensive insurance.

Pay as you go insurance is a new option for 18-21 year olds. It’s a recent development introduced by Norwich Union, in which you pay a unit cost per mile. The cost per mile is more between 11pm and 6am. You pay an initial fee of £199 to have a Global Positioning System fitted to your car, and then it transmits details of your mileage direct to Norwich Union. They send you a monthly invoice and you pay for the miles you’ve done!

Taking Pass Plus lessons to improve your driving abilities could save you around a third on your premiums. They cost £15 – £30 an hour and cover driving at night, in busy rush hour jams and fast motorway driving. You can find out more at www.passplus.org.uk . You can also improve your driving skills and make insurance savings with the Institute of Advanced Motorists ( www.iam.org.uk ).

Find out the insurance group of a car before you make the purchase. There are twenty insurance groups – the slower and less desirable the car (to criminals) then the lower the rating. You could make considerable savings by choosing a car in a lower insurance group.

If you want a high spec or performance car then you can expect to pay a lot more on your insurance. They’re a lot more likely to be stolen or involved in an accident. Making the sensible choice might be a bit boring, but it will be a lot cheaper.

Watch your speed. Most insurance companies will let you get away with a single fixed penalty fine but if you repeat the offence then your premiums will rocket.

Protect your no claims discount as soon as you can (usually after four years). It costs a bit extra but it’s well worth it.

Satellite navigation in your car will lower your premiums. Insurers have found that people concentrate more on their driving and less on trying to find their way, which means less chance of having an accident.

It’s a good idea to have an engine immobiliser or alarm fitted not just because it could help you keep hold of your car, it will also make you a saving of 5-8%.

If there’s two or more cars in the household, get them on the same policy to get a good discount.

Riding With Green Car Insurance

September 15, 2017 · Posted in General Articles on Car Insurance · Comment 
With global warming becoming more of a threat than ever, the need for people to chose something a little more friendly to the environment when purchasing a new motor vehicle is more important than it has ever been.

Motoring around in an eco friendly automobile depends mostly on how much the driver wishes to do to what is best for the greater good. However, new studies indicate that there is a reason of even greater importance for motorists to purchase a green car. Green car insurance is tackling the feat of offsetting damage caused by vehicles that are not friendly to the environment by donating a portion of policy premiums to charities that are fighting the battle against global warming.

Green car insurance is a rapidly growing phenomenon, and it seems that green car insurance companies are steadily becoming more and more competitive. Drivers of automobiles that have high emissions should consider green car insurance providers in your search for insurance cover. It seems that the general consensus among motorists is to change the things the way things are some direction needs to come from the country’s government. For example, the government could cut the Insurance Premium Tax on green cars as incentive. Today, drivers generally pay about £50 extra for cover on a green car; it is as if drivers are being punished for purchasing green cars. This is not much of an incentive to go green.

Cheaper insurance cover quotes would definitely be a step in the right direction, but for drivers who are being put off by the present green car insurance quotes, the main attraction is the financial savings. By purchasing a vehicle with low emissions, which is more economical, emitting 17% less carbon dioxide, then the fuel-operated equivalents, drivers of green cars are reaping the benefits and cutting costs on fuel by as much as £165 each year and the road taxes are each being cut by £125.

The car insurance industry has planned in advance and is already making way for a more cost friendly green solution and offering the best cover quotes. For instance, when they offer new products, the insurance providers now offer to donate to green charities and invest in green technology as a way of offsetting the damage caused from car emissions.

With this new way of thinking that has been adopted by insurance providers and commercial realities, there is no better time than the present to purchase a green car. With the cost of petrol rising to new heights almost daily, drivers are finding themselves more and more interested in a fuel-efficient green car with lower tax. Customers are finding out first hand that not only are these new green cars better for their wallet but they are also better for the environment as well. Everyone in the UK should be thinking about what they can do to improve the environment and a great place to start is with the purchase of a new green car and green car insurance.

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