How to Get the Best Car Insurance
As car insurance premiums continue to increase, it's important for vehicle owners to know what's important when shopping for car insurance in order to get the best deals.
There are many myths surrounding car insurance but here's a comprehensive run-down on what you should ask for next time you're renewing your car insurance.
Most people assume that third party insurance is cheaper than fully comprehensive but this is not always the case as insurers know younger drivers tend to opt for third party only and have responded to this perceived risk by putting up the premiums.
Always get quotes for both when shopping around.
Go to comparison websites when shopping as they don't charge commission and they compare multiple insurers.
Then after getting a quote go directly to your chosen company and see if they can beat it.
Don't forget that not all insurance companies are on price comparison sites so do a Google search too.
It's also important to not just look at price when buying car insurance but make sure you find the best package for you.
Make sure it includes free windscreen replacement for example and look at the size of the excess.
Often adding no claims protection will add more to the premium but will be worthwhile in the long run, the more years no claim your accrue the cheaper your insurance will be.
And there's no need to be loyal to one car insurance company as they don't tend to reward loyalty.
Your no-claims bonus is transferable so make sure you shop around every year.
If you do have an accident, the likelihood is that your premium will go up next year regardless of whether the accident was your fault or not.
All incidents indicate to the insurer that you may be more at risk of having an accident in the future.
This applies even if you've protected your no-claims bonus.
Your bonus will remain intact but the cost of the policy may go up.
But the premium is unlikely to increase if you get three points on your licence for speeding as this has become quite commonplace.
Any more points, however, and your premium is likely to increase.
So next to you are insuring that car you bought from your local Ford dealer, Berkshire, make sure you shop around.
And remember that the best way to the cheapest car insurance is to drive without incidents.
There are many myths surrounding car insurance but here's a comprehensive run-down on what you should ask for next time you're renewing your car insurance.
Most people assume that third party insurance is cheaper than fully comprehensive but this is not always the case as insurers know younger drivers tend to opt for third party only and have responded to this perceived risk by putting up the premiums.
Always get quotes for both when shopping around.
Go to comparison websites when shopping as they don't charge commission and they compare multiple insurers.
Then after getting a quote go directly to your chosen company and see if they can beat it.
Don't forget that not all insurance companies are on price comparison sites so do a Google search too.
It's also important to not just look at price when buying car insurance but make sure you find the best package for you.
Make sure it includes free windscreen replacement for example and look at the size of the excess.
Often adding no claims protection will add more to the premium but will be worthwhile in the long run, the more years no claim your accrue the cheaper your insurance will be.
And there's no need to be loyal to one car insurance company as they don't tend to reward loyalty.
Your no-claims bonus is transferable so make sure you shop around every year.
If you do have an accident, the likelihood is that your premium will go up next year regardless of whether the accident was your fault or not.
All incidents indicate to the insurer that you may be more at risk of having an accident in the future.
This applies even if you've protected your no-claims bonus.
Your bonus will remain intact but the cost of the policy may go up.
But the premium is unlikely to increase if you get three points on your licence for speeding as this has become quite commonplace.
Any more points, however, and your premium is likely to increase.
So next to you are insuring that car you bought from your local Ford dealer, Berkshire, make sure you shop around.
And remember that the best way to the cheapest car insurance is to drive without incidents.
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