Car Insurance - Some Helpful Top Tips To Keep Costs Down

Thanks to the stiff competition in the car insurance industry, premiums have on average stayed at the same level in recent years. With over 100 car insurers vying for your custom, competition is hot and motorists can take advantage of some good bargains. If you shop around, you will almost certainly beat the renewal quote offered by your current insurer, but 23% of motorists ignore that fact, and happily renew their motor insurance with the same company year on year.

Until recently, getting a car insurance quote meant ringing up and going through the lengthy process of providing all your personal details, not to mention the many minutes spent trying to get through to them in the first place. Now, getting a quote has been made so much easier with the advent of the internet. Some websites allow you to input your details once, and can then give you quotes from 40 or more car insurers.

However, price is not the only consideration when choosing with whom to insure your car. Make sure that you're not going to be faced with a large excess in case of an accident, and ensure that if your car needs to be repaired, you will be given a courtesy car. You also need to consider legal insurance cover and automatic windscreen replacement, and if you do have an accident, you may find an accident helpline extremely useful! To be sure of what is and isn't included in your cover, it's best to ring the insurer to go through the small print.

Our Top Tips to save you money on car insurance

1. Go through a car insurance broker's website so you can get access to quotes from 40 or more car insurers, by simply inputting your details once. When you've received a quotation, call them to discuss the details of the policy, and maybe even request a further discount.

2. Keep your car in the garage overnight. You will pay more in insurance for keeping your car on the road because there is more chance of your car being broken into or damaged. As a second best option, put your car on a driveway.

3. Keep on top of how many miles you do each year, if you travel less then you will save on premiums.

4. Even your choice of occupation can affect your premiums - crazy as it sounds, if you're a landlord, journalist or professional footballer (chance would be a fine thing) you will pay more. More run of the mill occupations like accountancy and government pay less.

5. If you're married, male and under 30, you will probably pay less than your unmarried counterparts.

6. If you're under 25, you'll save money on your premiums by adding someone over 25 (and under 60) with a good driving record as a named driver.

7. If you want to save on the initial costs, you could choose to have a higher excess (usually about �£100). It means you'll pay more if you have an accident and need some repairs, but it's a risk that you could take.

8. If your car isn't worth much, why not just get third party cover. Compare quotes for third party and fully comprehensive insurance and see the difference.

9. If you're aged between 18 and 21 then you've got the option of pay as you go insurance. Norwich Union has pioneered the idea especially for younger people who find it hard to afford car insurance. You're charged for the miles you drive, and it gets more expensive per mile between 11pm and 6am. For a one off fee of $199, your car is fitted with a Global Positioning System which communicates details of your mileage direct to Norwich Union, they then send you a monthly bill.

10. If you've only just passed your test, you could save money by improving your driving. Take Pass Plus lessons and you could save up to 35% on your premiums. The lessons include driving in rush hour, on the motorway and driving at night, costing $15 - $30 an hour. Visit www.passplus.org.uk for more details. Taking a course with the Institute of Advanced Motorists (www.iam.org.uk) will also reduce your premiums.

11. If you're buying a new car then find out what insurance group it falls into before you buy. There are twenty insurance groups with 1 being the lowest and 20 the highest, so if you're caught between two cars and one is in a lower insurance group, you'll save money by choosing it.

12. High spec and performance cars cost more to insure because statistically speaking, there's more chance of them being stolen or being involved in an accident. Save money by choosing something a bit less 'racy'.

13. A speeding offence could affect your premiums. Most insurance companies will turn a blind eye to one fixed penalty fine but above that you can expect higher premiums.

14. If you've made it to that all-important four years of no claims, pay a bit extra to protect the discount, then it's safe.

15. Some insurance companies will give discounts for cars with satellite navigation as it has proved to help prevent accidents by enabling motorists to concentrate on the road.

16. Having an engine immobiliser or alarm fitted could lower your premiums by 5 - 8%.

17. If you've got more than one car registered at your address, you can get extra savings by insuring them all in one policy.

Article Source: http://www.insurancearticle.com

Auto Insurance - If You Want To Know All There Is To Know, Start Here

Cheap Car Insurance

When it comes to owning a car, there are a few things that go along with the luxury. Drivers must pay for gas to get them where they need to go, pay for any repairs that may occur, and must be insured. While the occasional driver will drive five miles out of their way to get the best gas price in town, many drivers forget that they should shop around for cheap car insurance as well. There are several ways to end up with the best deal when it comes to cheap car insurance. You must do a little research however, and reach out for the best bargain around, because it will not likely reach out to you.

Minimum Coverage

If you are looking for extremely cheap car insurance, your best bet is to go with a company that offers minimum coverage. Each state requires a certain minimum amount of auto coverage in which all drivers must be covered under. While some of the more established insurance companies will not offer these low coverage options, there are other companies that specialize in minimum coverage policies. You won't be getting all of the perks that come with a heftier insurance plan, but your quest for cheap car insurance will be complete.

Combination Offers

If you own a home or a life insurance policy, you may be able to get cheap car insurance by combining the policies under one insurance company. Many insurance agents will offer you a nice discount when you insure your vehicle, home, and life with their company. Sometimes you will only be required to have two of the three, while other times you will be required to purchase all three to get a discount of any type. Make sure that it is worth your while to merge all of your plans however. Never switch a policy unless you are sure the rates are more competitive and the discount will be worth your while.

Annual Quotes

The biggest mistake most drivers make is not requesting new auto insurance quotes each year. While you may not think much can happen in a year, many companies change their annual rates drastically. You may be able to secure a lower rate this year with a company that offered you a higher rate last year. These rates usually change due to the increase in your age. However, sometimes they are simply due to a company's policies changing and becoming more competitive. So, about two months after your birthday each year, make a few calls to be sure you are getting the cheap car insurance you long for.

As you can see, when you use these simple insurance tips, you can guarantee you will always be getting the best cheap car insurance plan available. Consider signing up for a minimum coverage plan to save a few dollars. Remember that if your vehicle has a lien on it, you may not qualify for minimum coverage. Ask your insurance agent about any combination offers you may be eligible for. Lastly, be sure to call annually to get new auto insurance quotes from several companies in your area. When you are attentive to the possibilities, you will find that getting cheap car insurance is not as difficult as it seems.

Article Source: http://www.insurancearticle.com

Car Insurance: Why It Is Very Important

Car insurance does a great many things for the individual driving the vehicle as well as for the other users out there. The policy is bought before of any injuries occurring. By paying a coverage premium, the responsible driver will have cash reimbursement should they be mixed up in a vehicle accident or in certain events that are covered under the insurance contract.

It is vital to discover the correct kind of insurance for the person as well as for the vehicle. The more value that the van has, the more it will cost to insure it but this is mandatory since it could cost more to replace it should anything happen. Usually, insurance companies will offer discounts and different amounts of coverage based on need and on what the customer is searching for.

In all but a few states of the US, auto coverage is something that is a must for car owners. There are legal requirements that are in place to help protect everyone there. Insurance not only protects the auto owner, but it also protects others that may be sharing the highway with the driver. Because a truck could be totally destroyed in an accident, there is most often auto insurance that will help with repairs or with finding another truck.

If anyone is injured in auto accident, that too may be covered including their hospital costs. Property repairs may be covered too.

The goal is to secure car coverage that is right for your specific circumstances. This is easy to do and frequently van plans can be ordered right on the internet. Examining auto rates of insurance is helpful at keeping low costs. Insurance for a car is not only a wise investment but it could be a lifesaver if anything does go unexpectedly and there are not funds to recoup the loses. Moreover, no one can predict when an accident will take place

Article Source: http://www.insurancearticle.com