Where To Find Cheap Car Insurance Online

October 19, 2017 · Posted in General Articles on Car Insurance · Comment 
car insurance
Many people find car insurance confusing – and as a result end up paying more than they should in a very competitive market. The monthly payments – or premiums – depend on several things – your level of cover, the company insuring you and how much of a risk the insurance company deems you to be.

The popularity of the internet has made it easier than ever to find, compare and choose car insurance on line. Most companies can give you a quote fairly quickly – in general, it will take from between ten to twenty minutes to enter the required information into one of the online application forms. There’s also usually a free number to ring if you want to talk to a person.

Comparing car insurance quotes online

Obtaining car insurance quotes online is fairly straightforward – although there are some things you should keep in mind. Not all insurance companies will provide an instant quote on the screen in front of you; some companies may email the quote to you or ring you at a later date.

Some car owners don’t realise that even if their current policy isn’t up for renewal just yet, most insurance companies will allow a customer to cancel the policy, if they decide to switch insurance companies. In this case, you are generally entitled to a proportionate amount as a refund.

One way to easily compare car insurance rates and products is to use one of several web sites which offer comparison shopping. Two of the better sites are the aptly named

confused.com and moneysupermarket.com. Most sites compare the UK’s top insurance companies, including AA, Norwich Union and First Direct.

How to keep your premiums down

There are several ways you can reduce the cost of car insurance. Premiums are lower if you keep your car locked up in a garage overnight – over 50% of cars are stolen at night. Otherwise, try to park in your driveway, rather than on the street – this will also decrease the chance of vandalism.

Make sure you accurately report the mileage that you drive in a year – don’t pay for too much mileage. A change in employment or lifestyle may mean less mileage – many people don’t bother to change their car insurance details when this happens.

Having a car alarm or immobiliser installed in your car will also usually result in lower payments. An additional driver using the car may mean increased premiums. And of course, your past driving record also has a significant effect on the cost of your car insurance.

Basic car insurance policies

A recent – and welcome – innovation in car insurance is the concept of so-called basic coverage, as offered by both Tesco and Norwich Union, in an effort to simplify the often confusing process. Basic coverage also allows car owners to take out adequate insurance without paying more than they need to.

Norwich Union’s product is appropriately named Simple Cover and is available online only. The product also eliminates some of the unnecessary extras that customers tend to unknowingly pay for. Another big difference is that the premium is payable in a yearly lump sum, rather than monthly.

Tesco value car insurance is also available online only – even the application form is simpler – and Tesco has taken some of the unnecessary extras out, which can increase the cost of premiums. For example, Tesco value car insurance doesn’t offer a replacement car for use during repairs, or cover a broken windscreen.

Shopping for car insurance online shouldn’t be difficult. With a little bit of research and the right list of web addresses, choosing the right car insurance can be easy and stress-free.

Things You Ought To Know Before Buying New Car Insurance

October 8, 2017 · Posted in General Articles on Car Insurance · Comment 

Car Insurance is a necessary bill for Americans; 49 of the 50 states, as well as the District of Columbia have required auto insurance liability laws. You are required to be financially responsible for your actions when driving a car in all states. Auto insurance is very important as helps a person in getting coverage for himself, car and third party in case of misfortune. Apart from above, car insurance is also essential for pleasing legal requirements. Auto insurance is mandated on state level, this recent health care bill is a federal law. You’re not talking apples to apples here my pal.

Car insurance is painless to quote and buy on-line, but more essential than buying the lowest rates is understanding what you are getting and why you require it. Auto insurance is intended to help financially cover potential auto-related costs, loss or injuries. It helps protect you, your passengers, your fellow drivers, pedestrians, other people’s property and your car. Auto insurance is a significant issue for those charged with drunk driving, DUI, DWI, or any other alcohol-related driving offense. Insurance companies base their rates on many factors, including driving record.

Car insurance is awfully competitive market – Consumer Reports found lots of people were paying roughly 2X what they should have been shelling out for their automobile insurance policy. Using the internet, you can evaluate four or five Auto insurance quotes within 20 or 30 minutes – no reason to drive around town. Auto insurance is the law – in all 50 states across the U.S. This does not mean that all laws are created equal or that the same coverage is required. Auto insurance is one of those annoying expenses in our lives that has no right away apparent benefit, unlike the cost of a meal in a nice restaurant or the purchase of new music CD. State laws expect it and we know deep down we supposed to have it, but that doesn’t make it nice, to pay for it.

Auto insurance is a procedure that protects the owners of the car from financial losses. When you don’t possess Auto insurance driving about the city streets can become a financial risk. Auto insurance is provided by companies that handle their investments in order to soak up financial losses. If insurance is thought to be a right, Auto insurance is priced based on you and your driving record, your car and where you live and drive, plus on any state-specific set of laws that might change insurance rates. Insurance is regulated by specific states, rates can vary sharply among states.

Comprehensive coverage is also based on a deductible, generally of the same amounts as Collision, and is also often vital when getting a new car using a loan. Both Collision and Comprehensive coverage can be RCV replacement cost value or ACV actual cash value. Comprehensive cover also includes cover for things you may not have even though of, such as windscreen damage and personal injury. Comprehensive Auto insurance is also available. With full Auto insurance, coverage of cost for maintenance is provided for accidents that are not collisions.

Car insurance is often based on a car safety possibility, so high-speed sports cars and smaller cars have a bigger risk of damage. They are also more probable to be targeted by thieves, so you supposed to buy a more sensible car with good gas mileage and reliability rather than a car that costs more than your entire student budget. auto insurance is most normally spread to customers through a network of licensed insurance brokers who act as intermediaries between the insurance company and the purchaser. They provide independent and expert guidance, advocacy and support to consumers with respect to their auto insurance needs and normally work with a small number of various insurance companies. Auto Insurance is a requirement in most parts of the country, making it the most common insurance purchased in the United States. But for new drivers, shopping for auto insurance can be a daunting experience.

What You Should Know Before Securing Car Insurance

September 26, 2017 · Posted in General Articles on Car Insurance · Comment 

It seems as though the world is constantly bringing forth newer and safer vehicles, but they definitely don’t fix human error. This is why you need auto insurance regardless, because those unexpected times can play a major role on how the next chapter in your life begins. Even if you’re the best driver out there you have to have some sort of car insurance, which means finding the right coverage in your policy.

First, make sure that you understand the value of your car. If it so happens that its value is less than $2,000 then perhaps you may not need the collision insurance (what pays for your damages if you’re involved in an accident with another car or other object) or the comprehensive insurance (which pays for any loss or damage outside of a car accident). Though if you’ve got a gas and dollar guzzler, then you can probably afford to pay the extra protection and it will save you from future headaches.

Second, read your state laws. Depending on which state you’re in, Liability Insurance and Personal Injury Protection are mandated by law so make sure first that you meet the minimum requirements of the state law. Though it’s usually recommended to purchase a little more for your car insurance policy. Better to be overprepared than be caught lacking.

Third, know what’s available in terms of car insurance. Ask people who own a similar car about their policies, you might get hints about lower premiums too so you can compare across insurance companies. Also make sure you know what you already have, double coverage doesn’t mean double protection! It means double the premiums!

Auto insurance really comes down to state laws and personal needs. Start considering how much you can pay per month, what you have to have included, and various other components that will add to the overall cost of your auto insurance.

It’s also possible that your health or homeowner’s insurance can help pay for some of those unexpected burdens. You can figure this out in only a few minutes, so don’t feel like you’re wasting valuable time. In the end, the more research you do the better off you will be when it comes to car insurance.

Insurance, no matter how boring (all that paperwork!), is basically a gamble. Using math and figures, actuaries try to determine the risks and benefits of financial decisions so keep that in mind when you’re trying to decide how much you’re willing to pay. Because the more you expect insurance to cover you, the higher your premiums will turn out to be.

Only then will you find the best auto insurance available. If you have stories that revolve around car insurance, please leave them below. Your two cents could save someone else hundreds or even thousands of dollars.

 

10 Ways to Lower your Car Insurance Payments

September 24, 2017 · Posted in General Articles on Car Insurance · Comment 
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Many people buy their own cars because it makes life easier. However, many also struggle with the costs that come with maintaining a car especially when it comes to making car insurance payments. Many car owners are continuously in search for better ways to lower their car insurance premiums. What most do is simply search for companies that provide cheap car insurance. However, what many do not know is that they can save so much more just by following a few simple tips.

For those who aim to save on car insurance payments, the first thing to do is make sure to shop around every so often. In fact, the reason why six-month car insurance polices are most preferred is that it allows car owners to switch and buy car insurance from other providers at the soonest possible time. This means that it is important to continuously survey the insurance market to search for the cheapest car insurance around. Some people find that it is most effective to check out rates for car insurance online while others learn about the cheapest services from their friends and family. No matter what your preferred method for getting car insurance quotes may be, the bottom line is to find the best car insurance to not only suit your lifestyle but your budget as well. Many people who make this a practice report savings of over $300 on policies valid for six months. This would translate to so much more in a span of one year.

Another thing to consider when trying lowering your car insurance payments is to take the option for higher deductibles. Many car owners feel afraid to do this because choosing higher deductibles means shelling out so much more money in case they get into a huge accident. However, the logic behind choosing higher deductibles is pretty sound. Obviously, higher deductibles mean lower premiums. Therefore, lower car insurance payments. Car owners should not worry too much about higher payments when a major accident happens because minor accidents happen more often than major ones and when it comes to minor damages, car owners will still pay the same amount.

Many motorists prefer paying for their premiums in monthly installments because it allows them to shell out a relatively smaller amount at a given time and budget their car insurance payments along with the rest of their monthly expenses. However, what they do not realize is that even the cheapest car insurance providers add on administrative fees for each payment. Even if the additional amount is only $7 or so, for people paying their premiums at monthly installments, this could easily add up to $84 which they could have saved over the period of that one year

Another useful tip to help you lower your car insurance payments is to also look around for companies providing multi-line insurance. This means that you purchase all your insurance from the same company. Most insurers offer huge discounts for this. However, many people still try to look for cheap providers for each type of insurance they need. What they do not realize is that getting their car insurance and home insurance from just one provider can easily translate to about 15% savings.

Furthermore, if you think of yourself as a good driver and no evidence to prove otherwise can be gathered, here’s a good tip for you: look for car insurance providers that can reward you with big discounts simply because of your driving. In fact, some states such as California have made it illegal for car insurance providers to disregard good driving discounts. So, if you have not gotten yourself into any car accidents or received tickets for at least the past three years, do some research or ask around. You may qualify for lower premiums.

Nowadays, a lot of insurance companies will base the prices of their car insurance policies on your credit history. If you have been diligent in building a solid credit standing, then you stand a good chance on getting lower car insurance quotes when you buy car insurance. Aside from making sure unpaid bills don’t pile up, keep your credit balance as low as possible and don’t acquire more credit than you need. Keep your records updated and make sure to correct any errors so your credit history remains accurate.

Many car insurance companies also offer discounts to people whose cars have safety features. Airbags, seatbelts, anti-lock braking systems and other factory-installed safety features on your car may help you find the cheapest car insurance you can get. Make sure you tell your insurer that you have such features installed on your vehicle when you get car insurance quotes.

Sometimes it pays to be diligent to the point of being anal. If you want the cheapest car insurance you can get, you should review your car insurance coverage to check for unnecessary expenses in it. If you’re not thorough you may be spending on additional coverage that you don’t need or already have. A perfect example would be towing services. Most, if not all, auto clubs provide such services yet this is part of most car insurance policies as well. So before you buy car insurance review the car insurance quotes you’ve gotten and eliminate all the unneeded expenses.

If you’re looking for cheap car insurance, look for insurers that give discounts to students and senior citizens. Some car insurance companies will offer discounts for students with good academic records and for drivers over the age of 50. Ask around or research on car insurance online, as well, if you have a college student in your family. Some insurers give discounts to parents with college-age children who go to school a certain distance away from home and don’t bring a car to their campus.

One last great tip to lower you car insurance payments is to use your car less. There are a lot of car insurance companies that will give you discounts if you keep the annual mileage on your vehicle low. So, evaluate how you use your car. If you make frequent short trips around town you might consider planning ahead and organizing all your errands so you can check all of it off your list in as few trips as possible.

One thing to remember though is that car insurance companies may differ in what they consider to be low annual mileage, so do your research. If you think you might be able to lower your mileage then get updated car insurance quotes.

Following just a few of these recommendations will surely help you lower your car insurance payments. Remember, it is not always about finding the cheapest car insurance provider. Most of the time, it is simply about knowing your options and weighing them to find the perfect car insurance strategy for you.

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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