Finding the cheapest car insurance is actually easier than what it sounds. There are websites that specialise in finding you the lowest cost car cover deals quickly. A broker will do the running around online on your behalf for the quotes and all you have to do is to compare them along with the key facts which tell you what the policy contains. You do have to remember to compare the small print because while this might be boring it does hold terms and conditions which need to be checked before taking on the policy. It is no good taking out car cover deals to save money only to find that you are not covered for half of the things you thought you were when paying out. For instance if you choose to take a fully comprehensive car insurance policy then while there are many basic things in the cover that all insurance providers give, some will add in extras and it is these you have to look out for. The three types of car insurance you can consider are third party, third party fire and theft and fully comprehensive. Third party is the cheapest but it also provides the least cover possible and does not work in your favour only that of the individual involved in an accident with you. Third party fire and theft would offer the same but it would also cover your own car if it was stolen or if it was damaged or destroyed by fire. Full comprehensive is the dearest option for insuring you car but it does provide holiday gift ideas for car lovers. It gives everything that third party fire and theft does with the addition of protecting your own car. Your policy would payout for repairs to your own vehicle if you were involved in an accident or it would replace your car up to its value if it was too badly damaged to be repaired. It would also provide you medical expenses along with legal expenses and a whole host of other benefits which are outlined in the terms and conditions of the policy.
You can also do many things to help keep down the cost of your car insurance and to secure cheap car cover deals. If you are planning on buying a car or swopping your car then you should consider the size of the engine. The bigger the engine then the more you will be asked to payout for your car insurance. Cars are also put into different categories in order to determine the insurance costs. This is in relation to how safe the car is seen to be, higher powered vehicles will cost more to insure. You can also choose to install the latest security measures and this helps to keep down the cost of the insurance each year. Simply by keeping your car locked up in a garage rather than parking it on the side of the road can see a drop in the amount your insurance costs as there is less of a chance of the car being stolen. UK motorists are finding that the cost of driving has increased considerably over the last few years. Car fuel is more expensive at the pump, and the overall cost of running your car is now for some people becoming almost prohibitive. The one area in which motorists have a degree of control and influence when it comes to the cost of their motoring is in their car insurance costs. This is something that you can have a direct impact upon if you drive a car. A number of people and organisations over the last few years have put forward strategies and tips that are supposed to help you find car cover deals. These are outlined below in a little more detail. All of them are effective in making sure that when it comes to the cost of monthly premiums for car insurance, the financial outlay does not have to be as shocking as the dramatic increase in the cost of fuel.
First up, make sure that you are in a position where you can tell your insurer that your vehicle is secure. From immobilisers to full-blown security solutions, if you can prove to the company that underwrites the cost of insuring your car that the vehicle is safer than some of the others around, then you are some way towards getting a significantly lower premium quote. If you can say that your car is parked off road in a garage, for example, your insurer will often look upon you favourably, and cut the cost of insurance accordingly. It is all about presenting a good case. So when you fill out those initial forms and they ask you to estimate your annual mileage, don’t guess, make sure you tell them the truth. This will reduce their need to quote figures that may later be increased, as well as boost their confidence in you, which could make all the difference when you find another way to reduce premiums later. Drive better. First of all, if you have the opportunity, take the Pass Plus test. This will increase your chances of receiving car cover deals because insurers like drivers who can actually prove they are skilled at driving. Many new motorists will consider taking this test for precisely this reason. They know that having the test under their belts makes them a more skilled and therefore safer driver, and that their insurer will recognise this and offer premiums that are lower than those received by the next driver. And take the time to drive in a much safer way. This preserves your no-claims bonus, and just basically makes you a safer bet for the insurers. There are three basic types of insurance coverage. The third party basically covers the other driver and his car if there is an accident, but not you. Third party fire and theft cover the other driver, his car, plus your car if it is damaged by fire or stolen from. Fully comprehensive covers you for most everything else.
Take the time to ask your broker for the car cover deals he or she can offer you. Bear in mind the advice above, and get them to give you their best quote ; It is possible to find low cost car cover and you do not have to spend hours searching for it yourself. There are specialist brokers online who can look around on your behalf and find you cover which you are then able to compare without even having to leave your chair. There are many factors which go towards determining how much you pay out for your car insurance. If you understand what they are then you are well on your way to making great savings when you apply for your car insurance. One way to cut down the cost of car insurance premiums is to offer to pay a higher excess. If you do so you will have to pay less each year for the insurance, however you will have to find the money and hand it over in a lump sum if you have to make a claim on the insurance. The excess is the amount which you would be willing to pay before the insurance company will take over the bill. Paying a higher excess is a bit of a gamble because you might not claim on the insurance and if this is the case then it will work in your favour. However if you have chosen say £200 as your excess and have to claim then this is the amount you would have to find.
The level of car insurance will also reflect on the cost. Whichever type of insurance you choose there are ways to ensure you get low cost car cover. Third party only is the cheapest way to take out insurance but it does not provide the policy holder with a great deal of cover themselves. It would however benefit any third party involved in the accident and payout for damages to their car and also for medical expenses; this is the least amount of protection you can take out. It could work out if the car is not worth a great deal and you did not pay out a lot for it. Third party fire and theft can also be considered as this also costs less than a fully comprehensive policy. This would provide you with all the cover that third party only provides while also paying out for damages or loss of your car in case of a fire or if the car is stolen. If you want full protection for your own car then you have to consider taking out fully comprehensive car insurance. This is the dearest type of motor insurance yet if you compare quotes you can still get low cost car cover. You would have to take out fully comprehensive insurance if your car was over a certain amount or if you were buying a brand new car. The cost of comprehensive car insurance would vary depending on the insurance provider and you also have to compare what you are getting for your money. Some insurance providers will throw in such as a courtesy car if yours is in for repair. Others could offer to provide a very basic form of breakdown assistance. Do you have access to the Internet? You probably have a home computer that is hooked up to the Internet and may use it for shopping and research, but did you know it can also save you a great deal of money by comparing car insurance cover? Many people do not realise how much they could actually be saving on their car cover because they do not realise the competition that is taking place between insurance companies on the Internet.
How to Compare Rates Online:
When you realise you can compare insurance rates online, the next step is finding the best sites in order make the most comparisons in one place. The best idea is to compare about five different companies in a side-by-side view, so that you can compare those rates to your current policy. In addition, make certain that you include the proper amount of cover you want when you are comparing, otherwise, you may not be getting an accurate view. For instance, let’s assume you have a lien on your vehicle and therefore you have to carry comprehensive, collision and liability for your vehicle, if you only pull rates that are the minimum required by law, it will of course be less than full cover.
Therefore, make sure you have your current plan in front of you so that you can see exactly what you have currently in your policy and then just plug those figures into the online form, which will give you a much better examination of the various quotes you receive. Many people are quite stunned by the amount of money they are able to save on their car cover and if they had not used the Internet to check the rates against theirs, they never would have known the amount of money they can save.
Check the Various Companies You are Comparing Against Yours:
Whenever you check car insurance comparison online, you want to make sure that the companies that are being represented have a solid financial standing. In other words, you would not want to get a new policy if the company is on the brink of going out of business, no matter how low the quotes are. Therefore, a quick online search of the establishment can show you the strength of the company’s financial stability. This is important to you as a possible policy holder.
Last Steps in Switching:
Once you have received your car insurance comparison and decided on the best plan for you, you may be able to sign up directly online, or it may be possible to take care of everything via telephone and fax. This way you save even more time by not having to make an actual office visit and bring all your documents with you. Once your new policy is fully in force, then you need to contact your old car cover and cancel the policy immediately so that no further billing results. It is important not to cancel the old policy until the new one is full in effect.