Car Insurance For Less
Why is it that we are all looking for cheap day car insurance? Well there are many reasons. Firstly, the cost of insurance per head is on the rise and if you don’t have a good driving record then you are likely to be paying more. But there are other benefits too such as being able to pick and choose between different insurance companies, having discounts based on age and type of vehicle, and being able to make savings on your current insurance by taking out an umbrella policy.
There are a number of ways to find cheap day car insurance. The first is to shop around and compare quotes. A quick look online should give you plenty of options to compare from. It can also be useful to ask your existing insurance company for some current quotes, or even better still ask your broker. Most modern insurance companies will offer you a free online quote service, which is great because you are able to compare all the features and benefits offered by each provider.
When choosing what insurance policy to take out check the exclusions and any extra costs. Always make sure you read the small print and check for things such as speed limits, no claims bonus and how you are insured for medical expenses. Be aware that if you have added items to your policy such as a children’s seat or an excess amount then you will need to look at quotes for those items separately.
You should also bear in mind that there are discounts offered to certain classes of drivers. The key facts will let you know but for younger drivers and female drivers there are discounts up to 25% on car insurance. This could save you hundreds over the course of a year. There are also some further benefits to taking out cheaper car insurance. If you have taken out a mortgage or secured a loan for your new car then you could qualify for tax breaks. Look online for a list of mortgage and loan lenders who offer cheap car insurance.
You should also bear in mind that the majority of insurance providers offer some form of extended cover. This means that if your car has to be repaired after an accident within a certain period of time you can claim back any cost that you have already been quoted. However, this does not apply to fully comprehensive cover. Fully comprehensive covers are not normally available from the same insurance company as third party cover and only apply to repairs to your own car. They do, however, make sure you have some form of peace of mind should your car be stolen or damaged beyond repair.
You should also be aware that if you install tracking devices or immobilisers you will have to pay more out. This is due to the fact that the insurance company believes you have more of a chance of repairing your vehicle should it be stolen than without the device fitted. However, you should check how much you would be able to save before you decide to remove such a product. In general they are only worth the amount of money they cost, so if you want to be able to remove them entirely then make sure you are not willing to pay for them to be installed in the first place.
If you want to make sure that you are able to make a claim if you have to make a claim you should always take photographs of the car and the insurance sticker affixed to it. This should prove useful should you ever need to produce your evidence in court. The problem is that if you have taken photos of your car and then forgot to take them with you when you moved it on insurance payment day it is unlikely you will be able to get them back.
Whichever way you choose to take out your insurance you should compare a number of different companies. A quick search online should reveal several different quotes from top UK insurance providers. When comparing quotes do not just check the cost alone, check how much the insurance would cost if you were to have to make a claim. Cheap car insurance should help you keep more of your own money in your pocket, but if you end up having to make a claim it could end up costing you more than if you had simply chosen a more expensive policy.