May 2007
Monthly Archive
Five Tips to Cut You Car Insurance Premiums
admin 30 May 2007 | : Uncategorized
John Moore asked:
Now is a more important time than ever to find ways to save money on your car insurance. If you own a car you will be more than aware of the huge costs involved in addition from rising fuel prices, maintenance to repair costs. Car insurance is now the main day-to-day cost for many UK motorists however you can cut your motor insurance premiums by following the tips and advice in this guide.
1. Choose Your Car Carefully Most of you will already own a car however for those who haven’t yet purchased a car and those considering an upgrade it is always important to factor in costs involved in running the car especially the motor insurance premiums it is likely to attract. All cars are rated on a scale of 1 to 20; a Group 1 car would be a Ford Fiesta 1.25 and at the other end of the scale, a BMW 5-Series M5 Group 20.
2. Location, Location…of your car After your car choice the next major factor that affects your premium is where you live. If you stay in a city it is the riskiest place for insurers therefore premiums are higher. Those living in or considering a move to the countryside can expect to see their car insurance premiums reduce by as much as half. You can receive a small discount for storing your car on your driveway or if is kept in a garage overnight you can expect a much bigger discount. It is also possible to get a discount on your car insurance premiums by agreeing to a limited annual mileage.
3. Protect Your No-Claims Discount Once you start to build your no-claims discount you can expect substantial discounts on your insurance premium and those who have several years no-claims can benefit from very cheap car insurance . If you lose your no-claims it is a disaster as insurance premiums will rise drastically however some insurance providers recognise even the most careful drivers can have bad luck and end up in an accident once in a while and offer a “protected discount”, for a small charge, once you have reached the highest level of no claims discount.
4. Add Security You can use a steering wheel lock to protect your vehicle and give you peace of mind unfortunately though it won’t reduce you car insurance premium. To bring down your premium you need to install a pukka immobiliser; which is of ‘Thatcham Category 1′, the highest level of security. Its worth researching to see the impact on car insurance premiums however as it’s expensive it may only be worth doing if you car is of high value.
5. Shop – Compare before buying car insuranceCar insurance is a highly competitive market and is available from a huge array of providers. The quickest and least stressful way to search the market is to use a comparison site which will allow you run a detailed search, giving you quotes from the car insurance providers without having to do the leg work yourself and allow you to compare in detail the offers and features of the different car insurance companies. Taking just a few minutes to run a search can potentially save you hundreds of pounds on your car insurance!
Now is a more important time than ever to find ways to save money on your car insurance. If you own a car you will be more than aware of the huge costs involved in addition from rising fuel prices, maintenance to repair costs. Car insurance is now the main day-to-day cost for many UK motorists however you can cut your motor insurance premiums by following the tips and advice in this guide.
1. Choose Your Car Carefully Most of you will already own a car however for those who haven’t yet purchased a car and those considering an upgrade it is always important to factor in costs involved in running the car especially the motor insurance premiums it is likely to attract. All cars are rated on a scale of 1 to 20; a Group 1 car would be a Ford Fiesta 1.25 and at the other end of the scale, a BMW 5-Series M5 Group 20.
2. Location, Location…of your car After your car choice the next major factor that affects your premium is where you live. If you stay in a city it is the riskiest place for insurers therefore premiums are higher. Those living in or considering a move to the countryside can expect to see their car insurance premiums reduce by as much as half. You can receive a small discount for storing your car on your driveway or if is kept in a garage overnight you can expect a much bigger discount. It is also possible to get a discount on your car insurance premiums by agreeing to a limited annual mileage.
3. Protect Your No-Claims Discount Once you start to build your no-claims discount you can expect substantial discounts on your insurance premium and those who have several years no-claims can benefit from very cheap car insurance . If you lose your no-claims it is a disaster as insurance premiums will rise drastically however some insurance providers recognise even the most careful drivers can have bad luck and end up in an accident once in a while and offer a “protected discount”, for a small charge, once you have reached the highest level of no claims discount.
4. Add Security You can use a steering wheel lock to protect your vehicle and give you peace of mind unfortunately though it won’t reduce you car insurance premium. To bring down your premium you need to install a pukka immobiliser; which is of ‘Thatcham Category 1′, the highest level of security. Its worth researching to see the impact on car insurance premiums however as it’s expensive it may only be worth doing if you car is of high value.
5. Shop – Compare before buying car insuranceCar insurance is a highly competitive market and is available from a huge array of providers. The quickest and least stressful way to search the market is to use a comparison site which will allow you run a detailed search, giving you quotes from the car insurance providers without having to do the leg work yourself and allow you to compare in detail the offers and features of the different car insurance companies. Taking just a few minutes to run a search can potentially save you hundreds of pounds on your car insurance!
What Type Of Car Insurance Should You Choose?
admin 27 May 2007 | : Uncategorized
Andrew Regan asked:
It is a legal requirement in the UK that before setting out on public roads a driver and their vehicle must be insured. The absolute minimum level of cover required is third party, although there are other types of cover available and your personal circumstances will determine which one is best value for you.
For example, a young driver who owns a relatively inexpensive car may opt for affordable cover such as third party, whereas an affluent older driver with a prestige vehicle is more likely to opt for fully comprehensive cover.
Third party car insurance is usually the cheapest car insurance and typically will cover any other person involved in an accident, including passengers in the insured vehicle but not the insured person; and damage to other property, including to other vehicles, but not to the insured vehicle
However, if you own an expensive car and choose third party cover it could prove costly if you are involved in an accident for which you are deemed to be responsible. In such circumstances the cost of repairs to your vehicle will be borne entirely by you. Conversely, if your vehicle is damaged in an accident and someone else is found to be culpable then you will be able to claim the cost of repair from their insurers.
So, although third party insurance is far cheaper there is also a lot more risk involved for the insured driver. However, young people – especially those that have just passed their driving test – face steep car insurance premiums due to their age and relative inexperience behind the wheel. As such, third party insurance is a more affordable option especially if their car is not particularly valuable.
Another form of cheap car insurance – but one which offers slightly more cover – is third party, fire and theft. This works in exactly the same way as third party insurance except that if your vehicle is stolen or damaged in a fire, the cost of replacement or repair will also be included in the cover.
The type of car insurance that offers the most cover is known as fully comprehensive. Under such a policy everything that is provided under third party, fire and theft is included plus there is also a great deal more cover. Typically, comprehensive policies cover accidental damage to the insured person’s vehicle, regardless of who is at fault and a host of other benefits that will vary according to the insurer offering the cover.
Indeed, because so much cover is offered with a fully comprehensive car insurance policy it is therefore the most expensive. Most people who own a brand new or nearly new vehicle will usually opt for comprehensive cover to insure their valuable asset; and many often believe that the extra premium cost is justified.
So, when it comes to deciding whether to opt for cheap car insurance or one that is more expensive, often it will be entirely personal choice. However, just remember that you must purchase it before driving on public roads.
It is a legal requirement in the UK that before setting out on public roads a driver and their vehicle must be insured. The absolute minimum level of cover required is third party, although there are other types of cover available and your personal circumstances will determine which one is best value for you.
For example, a young driver who owns a relatively inexpensive car may opt for affordable cover such as third party, whereas an affluent older driver with a prestige vehicle is more likely to opt for fully comprehensive cover.
Third party car insurance is usually the cheapest car insurance and typically will cover any other person involved in an accident, including passengers in the insured vehicle but not the insured person; and damage to other property, including to other vehicles, but not to the insured vehicle
However, if you own an expensive car and choose third party cover it could prove costly if you are involved in an accident for which you are deemed to be responsible. In such circumstances the cost of repairs to your vehicle will be borne entirely by you. Conversely, if your vehicle is damaged in an accident and someone else is found to be culpable then you will be able to claim the cost of repair from their insurers.
So, although third party insurance is far cheaper there is also a lot more risk involved for the insured driver. However, young people – especially those that have just passed their driving test – face steep car insurance premiums due to their age and relative inexperience behind the wheel. As such, third party insurance is a more affordable option especially if their car is not particularly valuable.
Another form of cheap car insurance – but one which offers slightly more cover – is third party, fire and theft. This works in exactly the same way as third party insurance except that if your vehicle is stolen or damaged in a fire, the cost of replacement or repair will also be included in the cover.
The type of car insurance that offers the most cover is known as fully comprehensive. Under such a policy everything that is provided under third party, fire and theft is included plus there is also a great deal more cover. Typically, comprehensive policies cover accidental damage to the insured person’s vehicle, regardless of who is at fault and a host of other benefits that will vary according to the insurer offering the cover.
Indeed, because so much cover is offered with a fully comprehensive car insurance policy it is therefore the most expensive. Most people who own a brand new or nearly new vehicle will usually opt for comprehensive cover to insure their valuable asset; and many often believe that the extra premium cost is justified.
So, when it comes to deciding whether to opt for cheap car insurance or one that is more expensive, often it will be entirely personal choice. However, just remember that you must purchase it before driving on public roads.
Comments Off
How Much Is Car Insurance For A 16 Year Old?
admin 25 May 2007 | : Uncategorized
boisecarinsuranceq asked:
savours lowering your premiums to adding a teen fightr to your policy, buying car coverage can engagement a confusing, frightening, and expensive process. However, it is a necessary part of life, and can save you a lot of stress and wealth in the future. It may seem like a daunting ordeal, but there is an ebecauseier way to shop for car insurance quotes and rates. Before window spree for car insurance, read these frequently asked questions to make certain you get the advantageous possible car insurance rate.
Comments Off
Kids, Cars And Car Insurance: Advice For Nervous Parents
admin 16 May 2007 | : Uncategorized
Brian Hickie asked:
If you have a child who has just turned 16 (or is going to turn 16 soon), you are probably a nervous wreck. Sitting in the car while they are practicing is enough to give you a mild heart attack, because of the way that they handle themselves in traffic. After they get their license, you aren’t going to be able to sleep at night knowing that they are out alone in your car. Plus, your car insurance rates are going to go up and cost you an arm and a leg now.
Ever since your teenager turned 13, they have probably been begging you to buy them a car for their 16th birthday. If you can, you may buy them a used car that is safe and big enough, so that when they get into their first crash they will be alright. But, along with this car, you are also going to have to get good car insurance that will cover them when they hit their first parked car on a snowy day, get rear-ended for the first time, and so on.
When shopping for car insurance quotes, you may be tempted to go with the cheapest quote. When getting these car insurance quotes, you are going to see a wide array of options and prices, and it can be really confusing. It can kind of be like comparing apples and oranges, because the cheap car insurance that you get for about $100 a month for your child might actually be more expensive in the long run than a policy that is a bit more expensive and costs $120.
When purchasing car insurance, you are going to have to make sure you are comparing apples with apples and oranges with oranges. You may want to look at your car insurance and see about getting a policy that is similar to yours. When talking to the insurance agent, you may decide to up the liability insurance, in case your son or daughter causes an accident.
The first place that parents should look for car insurance when trying to get a policy for their teen son or daughter is from their own insurance company. A lot of places will give you cheap car insurance if you have more than one car or more than one driver insured at the same place. You might get a 10% discount, which can add up to hundreds of dollars over the course of the year. Another thing to consider is to get car insurance from a company that offers other insurance for your family, for example, from the same company that offers your home owner’s insurance.
Car insurance for teenagers can be really tricky, and the best thing to do is to shop around and get quite a few car insurance quotes. Sure, you probably will end up going with the car insurance company that you originally chose for your insurance, but knowing what other companies offer for their prices will help you to decide whether or not to change plans with your teenager and get a better price. Cheap car insurance can really be deceptive, so make sure that you are comparing the car insurance you currently have with that different car insurance company is offering.
If you have a child who has just turned 16 (or is going to turn 16 soon), you are probably a nervous wreck. Sitting in the car while they are practicing is enough to give you a mild heart attack, because of the way that they handle themselves in traffic. After they get their license, you aren’t going to be able to sleep at night knowing that they are out alone in your car. Plus, your car insurance rates are going to go up and cost you an arm and a leg now.
Ever since your teenager turned 13, they have probably been begging you to buy them a car for their 16th birthday. If you can, you may buy them a used car that is safe and big enough, so that when they get into their first crash they will be alright. But, along with this car, you are also going to have to get good car insurance that will cover them when they hit their first parked car on a snowy day, get rear-ended for the first time, and so on.
When shopping for car insurance quotes, you may be tempted to go with the cheapest quote. When getting these car insurance quotes, you are going to see a wide array of options and prices, and it can be really confusing. It can kind of be like comparing apples and oranges, because the cheap car insurance that you get for about $100 a month for your child might actually be more expensive in the long run than a policy that is a bit more expensive and costs $120.
When purchasing car insurance, you are going to have to make sure you are comparing apples with apples and oranges with oranges. You may want to look at your car insurance and see about getting a policy that is similar to yours. When talking to the insurance agent, you may decide to up the liability insurance, in case your son or daughter causes an accident.
The first place that parents should look for car insurance when trying to get a policy for their teen son or daughter is from their own insurance company. A lot of places will give you cheap car insurance if you have more than one car or more than one driver insured at the same place. You might get a 10% discount, which can add up to hundreds of dollars over the course of the year. Another thing to consider is to get car insurance from a company that offers other insurance for your family, for example, from the same company that offers your home owner’s insurance.
Car insurance for teenagers can be really tricky, and the best thing to do is to shop around and get quite a few car insurance quotes. Sure, you probably will end up going with the car insurance company that you originally chose for your insurance, but knowing what other companies offer for their prices will help you to decide whether or not to change plans with your teenager and get a better price. Cheap car insurance can really be deceptive, so make sure that you are comparing the car insurance you currently have with that different car insurance company is offering.
Comments Off