Car Insurance

Car or Auto insurance refers to the insurance that is common for insuring all types of vehicles against all kinds of uncertainties that may cause bodily damage to the vehicle. The sole reason behind insuring the vehicles is that it gives protection against the losses incurred due to accidents.

Before buying car insurance, it is very important that the person goes for a thorough analysis of the proposals offered by different companies for such insurances. Different companies offer different quotes for the insurance of the vehicle, the consumer must look out for the best one, which suits his needs and which proves to be very economical.

Factors when weighing up the best car insurance cover for you are:

• Overall cost and Value
• Is the compulsory or volutary excess too high
• Is the company a reputable, well known insurance company
• Is windscreen replacement included
• Have they included extra services such as breakdown cover, free legal help and advice
• Are they well known for good customer service and prompt resolution on claims
• Are they underwritten by a top insurance company, if relevant.

Keeping your insurance quote and renewals low

With the increase in higher car crime and auto break ins the insurance companies have been forced to raise the premiums to cover the cost of the higher risk.
However, by cutting this risk you can attract lower premiums from the companies that reward such measures.

You can expect a discount on your insurance premium when you have a car alarm and immobiliser fitted. Certain types of cars may require a higher level of alarm system so remember to check with your potential insurer regarding their requirements.
Windown etching, whereby you add your car licence plate details to the windows of the car can attract a lower premium.
Lastly, mentioning you have a garage and keeping your car in it can bring lower premiums.

Maintaining a bonus for having no claims or convictions will eat into premiums significantly over the years so safe and accident free driving will ultimately be rewarded. When you take into account the excess to be paid and the potential loss of 'no-claims' bonus you may wish to think hard before making a claim where the damage inflicted is relatively low. A small hit to your pocket in the short term may pay dividends in the long run.

The last factor that will have a bearing on premium cost is the amount of mileage you cover. Normal insurance plans cover general mileage but if you intend or fully expect to do few miles then it will be worth looking for a limited mileage policy. Typically, these will offer mileages of 1500, 3000 and 5000 for which to choose from and obviously the lower mileage you go for the lower your premium will be. Be aware that the penalties for breaking this limited mileage agreement could be severe. Classic Car policies almost invariably come with a limited mileage stipulation built in and these sorts of policies always attract lower premiums due to the percieved type of owner and expectations of greater care.

Our Recommendations:

Direct Line - Popular Insurance Specialist.

MORE TH>N Car Insurance - Insurance from a leading company..

SAGA - Specialist insurance for the over 50's.

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