Tag Archives: auto insurance - Page 2

Cheap Car Insurance – Cheaper premiums just how do you get one?

Posted by on March 30, 2010 Comments Off

Are you looking for a cheap car insurance deal? If you are then you have come to the right place. Please read the following suggestions on how motorists can achieve a cheaper priced premium and beat their renewal quote.

As a motorist we are always seeing higher priced premiums and every year our premiums just keep on going up. So that’s why it’s more important than ever to take steps and start shopping around the net for a cheaper policy. You’ll need to get a few quotes form different suppliers so you can make a comparison between all the policies. If you go for the cheapest priced one make sure that it ticks all the right boxes for you and that you’re getting the level of cover that you require. Do you really need a courtesy car? Cover when driving abroad? How about legal cover, breakdown cover and no claims protection? All these features with some insurers unless are part of the basic policy will cost you extra, so if you want to save money, then add them at a minimum.

Online discounts can provide good savings along with multi product discounts. Many insurers will offer all motorists an introductory discount when they buy online, most discounts range from 10% to 25%. Buying other insurance policies is also another good way of getting more savings and most insurers will offer a 10% discount when you also buy a car insurance or life insurance policy from them as well.

Try not to add extra drivers to your policy as this can put the cost up. If you add a young driver and one that is inexperienced with a low no claims status then expect the premium to be high. Motor insurance premiums are always calculated on the driver whoever is the youngest. So if they are under 25 then it might be a good option to insure them under a third party fire and theft policy to keep the cost down. Also check to see if truck insurance is more, as sometimes it is.

The Universal Auto Insurance Debate

Posted by on January 4, 2010 Comments Off

A lot of people complain about the idea of having universal auto insurance be mandatory.  They counter with the idea that having health insurance isn’t required, so why should auto insurance be?  If you have heard people talk about this, then you know what I am talking about.  It’s a major political issue among some and at first glance it might seem that this argument makes sense.

However, one of the factors involved is that driving is optional, while being alive isn’t.  I know that sounds sort of funny, but you can tell someone that if they don’t want to pay for auto insurance they don’t have to drive.  On the other hand, you can’t tell someone who doesn’t have the money or doesn’t want to pay for health insurance that they have to stop living.  Because of this difference, even in countries where there is national health insurance there is not national auto insurance.  It’s just not the same thing.

Universal Auto Insurance Needed For This?

Universal Auto Insurance Needed For This?

The main reason that the issue of universal auto insurance comes up though, is that it can be so darn expensive.  This is a major problem for a lot of people, and there are a couple of things you can do to lower the costs of getting your car insured.

The first is to add on security features.  By making your car less likely to be stolen, you are doing both yourself and your insurance company a favor, and it is very common for insurance companies to offer discounts for this.

Another thing you can do is to opt for a yearly plan instead of a 6 month plan.  If you sign a contract for a year, you will be locking your insurance payments in at that rate, and if you only take it out for half a year, your rates could go up when your contract ends.