7/24/2011

Affordable car insurance


Affordable car insurance

Although most people are aware that it is possible to find affordable car insurance, actually finding the best deal for you can seem like a very daunting task. It is sometimes worthwhile initially searching with one or two of the bigger insurance companies that offer good value policies to a wide variety of customers as you may be more likely to find a good deal this way. When it comes to getting cheaper car insurance it is wise to make sure you look around for the best deal and the best way to do this may be online as a specialist car insurance website will be able to search the marketplace and find you the best deal. Looking for your car insurance online offers you the advantage of being able to get almost instant quotes from a wide variety of insurance companies. It is estimated that almost half of the British public do not thoroughly search for a good value quote and will in fact just renew their car insurance without first taking the opportunity to save hundreds of pounds. When looking for car insurance, it is essential to make sure that the quotes you are comparing are for like for like cover. Despite many policies seeming cheaper initially you may find that if at a later date you need to make a claim that you do not have the same level of cover as you did previously, so it is worth checking thoroughly first.

One of the many ways to get affordable car insurance is by accepting to pay a greater voluntary excess. Nearly all car insurance policies that you will come across will require that you pay some money towards the cost of any claim, should the need arise. If you offer to pay a greater amount towards any claim then you may find that there is a significant cut in the premium. Other ways that may help you to reduce your car insurance costs are if you can limit the policy cover to specific named drivers, making sure that if you can that you keep your car in a garage when not in use as this lowers the likelihood of theft or damage and therefore will reduce the cost and insuring more than one car with the same company can often give you a discount. If you are really serious about wanting to reduce the cost then many insurance companies will offer you some sort of discount for taking driving courses as you are deemed less likely to have an accident and therefore need to submit a claim. Fitting your vehicle with security devices is also a great way of keeping costs down, although there will initially be some outlay with the cost of buying and fitting the device, you will benefit from reduced costs and of course, more peace of mind that your car is protected. Cars that will qualify for car insurance premium discounts are those that are fitted with an alarm or an immobiliser that meets the criteria set out by the insurer.

Despite all these measures there is no getting away from the fact that car insurance is an expensive business and finding affordable car insurance is tough. Many insurance companies will allow you to pay by instalments in order to spread the bill over 12 months, however if you choose to pay it all in one go you may find it works out cheaper.

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