Why Damage Car Should Apply Car Insurance

Car insurance varies depending on various factors such as the price of the car, the purpose for which it is being used, capability of the driver, own or rented car, safety features of the car, etc. It is recommended to go for the best insurance quote that would cost less to the car owner, yet gives all the benefits of auto insurance. There are many so called cheap auto insurance agents in the market who promise to offer low premium insurance quotes.

Preliminary requirements for car insurance are:

• The car should fall below a stipulated number of miles

• It should have been manufactured after a particular date and be of a certain level

• Do not be gulled into believing that the car has none but scrap value; be sure to get a second opinion

Several insurance agents offer low auto insurance premium quotes compromising with the benefits the car owner would get in case of an accident or damage to the car. For example, the insurance premium would be high for rented cars and one may not rent a car if the driver is not willing to pay the insurance premium. The premium for rented cars is high because there may be individuals who wouldn’t drive a rented car as carefully as an owned car.

Used cars attract better auto insurance premium as the damage may be higher in an accident to used car. The damaged cars should also be insured properly to avoid lesser payout if met with an accident. For brand new cars, the auto insurance has to be taken considering all the features like the airbags in the car and other safety features apart from the driver’s profile of the car. Check out for more details on auto insurance quotes on the website.

Damaged vehicle insurance can be easily to find as it is easily available from several top insurance providers. You can also get cheap auto insurance for your damaged vehicle, simply because the liability coverage amounts remain about the same. Most difficult part is to get comprehensive coverage. Most of the insurance firms won’t offer comprehensive coverage on damaged cars, in case you find a firm that offers, you will notice a huge jump in premiums.

So, it is better to work with a licensed insurance broker, who is familiar with the ins and outs of the several insurance companies in your locality. Hey can help greatly in finding a company that fits with your needs. Consulting a broker is a great source for various insurance problems.


All About Sport Car Insurance

Sports car insurance premiums seem to continually get higher. There are a lot of factors to cause your car insurance rates to increase, but did you know there are things you need to do to be sure you are getting a good rate on sports car policies?

Many times people wonder why classic autos and vintage autos insurance premiums are high just like cars that have the big fast engines like what you see in corvettes or other fast sports cars. The bottom line is insurance actuaries calculate the insurance rates and if you want to get the best deal on your insurance you have to know how insurance companies think.

It is obvious that you get insurance to protect your car and you do not want just any insurance, you want good auto insurance because your car is special. But you also want to balance getting coverage you want at affordable prices.

So if you are a sports car driver and you want to get good insurance then here a few things you need to consider.

First, if you have multiple policies with the same company you can many times get a multi-policy discount. You probably have the coverage for your house or apartment already so it is simple to make sure you have it with the same company that is covering your sports vehicle and this can lower your auto insurance rates.

Another tip to lower your premiums is to ask to have your liability and collision coverage suspended in the winter time if you are not driving your sports car. Now this is said with a big caution. You can not drive your car while the coverage is suspended and if you do then your insurance will not pay for a claim. But this tip can reduce your out of pocket insurance premiums.

Still yet another tip to make your car insurance rates easier on your wallet is to use the excuse of your high insurance rates to negotiate a lower car price. In other words the money is coming out of your pocket to pay for your sports car as well as to pay for your sports car insurance premiums so the car sales person knows you will have to pay high premiums so use this fact to get the dealership to give you a better price. If the dealership wants to earn your business then they will move on their price.

A final tip to help you if you are thinking of buying a sports car and if you are shopping for insurance is to be sure you have a good driving record. If you have tickets your insurance premiums will be high. To be sure to get the best deal you really need to have a clean driving record. There are some companies that specialize in different types of auto insurance including, but not limited to getting classical car insurance, historical auto insurance, and of course sports car insurance.


Ways To Get Best Car Insurance

In most countries it is compulsory for car owners to get insurance for their vehicle. The law does not differentiate between the make and model of the car owned. Even if you have a car that has little or no salvage value, you are required by law to get your car insured. However, if the car you own is old and does not have resale value, you can get the minimum possible insurance cover. When insuring these vehicles, your goal must be to get the cheapest insurance deal.

When you approach an insurance company, they will ask you for the make and model of the car. Most insurance companies will have a general base rate for each model of car. The premium that you pay will depend on the general base rate of your model. The insurance company will then ask for your pin code. This will help them decide the country that you live in. If you live in area that has a high crime rate, you will be asked to pay higher premiums to insure your car.

Another factor that has an impact on the premium is the age of the driver. If the person driving the vehicle is less than 25 years old, the premium that you pay rises. This high premium is based on the premise that young drivers are more likely to meet with an accident. Since the risk of insuring young drivers is high, insurance companies charge higher premiums to insure cars driven by young drivers.

Installing safety devices, such as burglar alarms, in your car will help you in reducing your insurance premium. Cars that have these safety devices are difficult to steal. This reduces the risk of the insurance companies and that is reflected in the premium charged by them. If you have a GPS tracking device installed in your car, mention it when getting an insurance policy. This will help you get a discount when taking out a car insurance policy.

The place where you park your car will also have an impact on the premium that you pay. Most insurance companies will give you good discounts if your car is parked in a locked garage. If you are unable to find a locked garage, you can still get a discount by parking the car on your property that has locked gates. Make sure you provide the insurance company with correct details. If you provide them with wrong information, the insurance company may not honour your claim.

You can also use the internet to get details of premiums charged by insurance companies. Most well-known insurance providers have their own websites that help people get car insurance quotes. You can also get help from comparison sites to get details of the premiums charged by the insurance companies. These websites save you from the trouble of visiting the websites of car insurance companies individually.

So next time you get insurance for your car, make sure you have all the details that will help you get the best car insurance quotes. It is important that you answer all the questions asked by the insurance company honestly. If the insurance company finds that you have misled them, they may refuse to process your claims.



Grapevine about Car Insurance

It has been a legal requirement to have car insurance since 1930. To drive any motorised vehicle on a public road, you must have a minimum of third party insurance. Preferably, and as long as it is not prohibitively expensive because you are a new or young driver, the best insurance to go for is fully comprehensive. But despite the fact that insurance has been with us for over 80 years, there are still plenty of people who do not understand aspects of their policy. This can cause them a big problem if they have to make a claim and suddenly find that because they’ve neglected to tell their insurers everything or have chosen the wrong policy, their insurance is invalid or inadequate. So let’s have a look at the five most commonly held beliefs about car insurance.

Excess fees
Number one of the list of ‘getting it wrong’ on car insurance is the belief that you won’t have to pay the excess if an accident is not your fault or your car is stolen. This is not the case. The excess is an amount agreed by you at the time you take your policy out and is the first part of any claims cost that you agree to pay if you make a claim. The only way that you may get your excess back is if your insurance company recovers all of the costs from the third party involved in the accident. As most car thieves are not caught, it is extremely unlikely that you will get your excess back if you claim for vehicle theft. Many people agree to a higher excess fee when taking a policy out to reduce their premiums. Remember, only do this if you are comfortably able to afford to pay out that amount in the event of a claim.

Driving other cars
Many years ago, insurance policies frequently allowed drivers to drive any vehicle under the same insurance policy. It was the driver and not the vehicle that was covered by insurance. However, things have changed and now it is the vehicle rather than the driver that is technically ‘insured’. Some fully comprehensive policies do allow you to drive another car with the owner’s permission, but remember that in most cases you will only have third party insurance if you drive someone else’s car. It is vital to know both the details of your own insurance and the person whose car you are using. If you are involved in an accident and only have third party cover you could be liable for your own damage. And that could be expensive.

The named driver ‘scam’
Although it is perfectly acceptable for there to be named drivers on insurance policies, some people have tried to take advantage of this. The trick is to insure the car in another person’s name (who may be more experienced or have a better insurance record) and then putting the actual regular driver down as the ‘named driver’. This is most common with younger drivers, who may insure the car in their parent’s name and then add themselves as a named driver. This slightly dodgy manipulation of the insurance policy can mean much cheaper insurance for an inexperienced driver. However, insurance companies are not stupid, and they have realised that this is an increasing problem. One quick check with DVLA will tell them who the registered keeper of the vehicle is and they’ll know instantly that the ‘named driver is actually the primary user of the car. This could invalidate your insurance and making a claim could prove to be very difficult indeed.

Personal effects
A commonly believed myth is that your car insurance also covers your personal possessions in the car. While there may be a small provision for personal effects, it is usually limited to £100. So trying to claim for a laptop or expensive mobile phone that may have been stolen from your car is not going to be covered by your car insurance. The best advice here is don’t leave valuables in your car, particularly easily stolen objects such as high-end tech (including satellite navigation systems), wallets or jewellery.

A conviction means no insurance
Finally, there’s the very common myth about how a conviction means it’s impossible to get insurance. Although a serious conviction like drink driving or dangerous driving may put you into a much higher risk category as far as the insurer is concerned, it does not mean that you are forever blacklisted. Specialist insurers are now dealing exclusively in high-risk drivers, and that includes those with drink-driving convictions. Yes, you probably will have to pay higher premiums. But just like any other motorist, the longer you keep your driving record clean, the lower your premiums will become. The best way to find a specialist insurer if you do have convictions or points on your license is to use a comparison website. These useful sites give you an at a glance list of insurers who can provide you with coverage. It’s the easiest way to get a good deal on your car insurance.