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Low Cost Car Insurance – There Are Ways To Get

admin — Mon, 04 Jan 2010 17:02:49 +0000

Low Cost Car Insurance – There Are Ways To Get It

We have all heard the saying about no pain and no gain. That can also be true when it comes to finding low cost car insurance. The average insurance buyer avoids most of the responsibility when it comes to purchasing car insurance. They rely heavily on the insurance professional or the insurance company. Sometimes that approach works out fine but there is a decided advantage to the buyer who is better informed when shopping for car insurance. Here are some of the things that you need to consider when shopping for car insurance.

Do I want an Agent? The agency system has been around a long time. The value of a good insurance professional is very high to a lot of people. They like having someone to counsel them on insurance. They dont like dealing over the telephone or the internet.

Insurance Company Once you decide on whether you want an agent or not then you can narrow down the field of insurance companies. You might want to select some familiar national names along with an independent agency.

All in One There is a good chance that you will find lower cost car insurance by combining all of your insurance with one company. The multiple policy discounts along with the convenience makes it worth you time to compare your auto, home and even your life insurance.

Insurance Coverage The shopping experience is a good time to get creative and ask a lot of questions about discounts and vehicle types. Question the need for coverage and buy what is most important to you.

Self Insuring The days of low deductibles are slowly vanishing. Low deductibles are expensive and not worth the out of pocket expense. Higher deductibles means you are self-insuring for the first $500 to $1000 on collision and or comprehensive. This will save you thousands of dollars over the lifetime of the policy.

Please see our recommended source for insurance quotes of all types. It is a site dedicated to quotes and is powered by Insure Me. Insure Me is the leading internet insurance quote provider. They are a broker of many insurance companies to give you the lowest rates.

Secure Your Car For Lower Car Insurance Premiums

admin — Mon, 30 Nov 2009 04:12:09 +0000

A question often asked is whether or not securing your car will help to reduce your UK car insurance premiums. Will this is certainly a factor you need to discuss with your car insurance company, you should note the following:

Steering Wheel Locks

While steering wheel locks may deter thieves from steeling your car, the fact is that most UK car insurance companies will not allow for the fact that you have one to affect the level of your car insurance premium. In short, if the thief is a professional, steering wheel locks are not much of a deterrent.

Immobiliser

If your car has an immobiliser system inserted such as the Thatcham Category 1 then you should be talking to your UK car insurance company about ways to reduce your car insurance premium. Indeed, as a security extra on the car in itself, your car having an immobiliser is likely to be the only factor your car insurance company will be willing to listen to when discussing ways to reduce your annual car insurance premium.

Garage

26 percent of all car theft in the UK last year took place right outside the front door of the car owner! So, if you have the ability to lock your car away at night in a garage, then mention this to your car insurance company as there is a very good chance that this will cause you to have a reduced car insurance premium! Remember, however, that if you arrange to have a car insurance discount based on the fact that youll be locking your car away all night, youll need to make sure thats exactly what you do otherwise, if your car is stolen from in front of your house you may find that your car insurer will not pay out!

Location

64 percent of car crime in the UK last year took place in the neighbourhood of the car owner! In most cases, these were inner city areas. Where you live, and the crime rate in your area, will have a major influence on the car insurance premium you are quoted. So, if you are being quoted a very high UK car insurance premium, it might be time to consider moving!

And finally

Obviously securing your car is more than just about reducing your car insurance premiums it is about making sure no one steals your personal belongings. To this end, keep in mind that 90% of car crime in the UK is opportunist car crime, so make sure you minimise the chance that your car will be stolen by keeping your car safe and secure at all times.

Travel Insurance rates

admin — Wed, 25 Nov 2009 14:50:30 +0000

Probably the biggest factors when calculating travel insurance premiums is the length of the cover required. If you are taking a two-week vacation, there is a much lower risk than if you are making a yearlong voyage around the world. That said, there are many annual travel insurance policies that cover all the trips you make in a single year and if you make more than a couple of separate trips, annual protection may work out cheaper. Often family protection policies are not too much more expensive than a single persons policy so if you get the whole family insured together you are also likely to save.

Another big factor is where you are travelling. While some countries represent more health risks, as they are more dangerous, it is also a fact that poorer countries often have far lower medical costs so insurance tends to be highest for travellers in North America and Europe, with the US specifically recognised as having high health care costs. If you plan special high-risk activities such as skiing or mountain climbing you will either need separate insurance for this occasion, or to have the activity specifically added to your policy, as there is a good chance it will be excluded.

Insurance premiums are calculated according to several risk factors. These are the factors identified by the insurance company as most likely to have an impact on the insured against risk occurring. Insurance is a significant cost associated with the item insured and should not be rushed into. It is always a good idea to shop around for the best price available. Insurance premiums will vary considerably from insurer to insurer so do your homework.

Look up the various insurance companies you are interested in and ask them for a quote. They can usually give you a rough estimate fairly quickly and even more exact quotes should also be possible if you provide more details and wait. You should also look up insurers online and get instant quotes from their website. This is a very fast and effective way of shopping around. You will get a good idea of what prices to expect. You can also experiment with the quotation websites to see what effect it makes to your premium price if you select different options. With all insurance policies you will have a number of options that affect the price of the policy. Therefore you should think about these options and if there are risks that you do not wish to cover then let the insurer know as your premium should become cheaper.

You should also try to make sure you do not double insure. It is a principle of insurance that you cannot benefit from the insured events occurrence. So you cannot get paid twice even if you have two insurance policies. So if a risk is already covered by one policy, again let your insurer know so they can remove it from their calculation.

The Costly Lure Of Free Car Insurance

admin — Tue, 17 Nov 2009 20:13:52 +0000

Although not a completely stagnant market, selling new motorcars in the UK these days is hard work. Combating this, one very successful way that car manufacturers have found to attract new buyers to the motorcar market in the UK is to offer the first years car insurance completely free with the purchase of a new motorcar.

Wonderful, but before you jump in and buy that new car, consider this:

if you are under the age of 25, while the first year of your motor insurance is going to be completely free (i.e. paid for as part of a sales gimmick by the car manufacturer), subsequent years wont be! So, before you buy that brand new SUV, 4×4 or sports car, you may want to enquire what the insurance will cost you subsequent of year 1 otherwise you may well find you have the nicest looking car sitting on a car driveway in your neighborhood!

if you are going to buy the car using one of the car manufacturers payment hire-purchase payment plans, read the fine print to see if you are contractually required to use the same car insurance provider throughout the term of the hire-purchase period. If so, you may want to reconsider the value of buying your new car this way as there is a very good chance you can find cheaper car insurance elsewhere.

remember that even if you are the perfect driver and have no accidents or need to call upon the car insurance companys services, it is going to have no bearing on the insurance quote for year 2. This is the case because youll not be credited with any no claims bonus for that period.

if you decide to go ahead with the deal, check carefully to see what the car insurance exclusions are as, in most cases, the car insurance being provided for the first year is fairly basic and wont cover you for a number of circumstances and events that you may automatically have assumed they would.

There is little doubt that the lure of a years free car insurance policy as a marketing tool has been extremely successful, but faced with this and the opportunity to try and negotiate some free extras or upgrades with your new motorcar, you may very well want to consider taking the option of negotiating for the free extras or upgrades because in the long run the free motorcar insurance being given to you by your car salesman is going to be anything but free and will almost certainly end up costing you far more than if you had arranged the car insurance yourself online.

Compare car, travel and more cheap insurance quotes » Good Chance

Low Cost Car Insurance – There Are Ways To Get

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