A Quick Guide to Finding Car Insurance Online

Whether buying clothing or shopping for car insurance, you always want to get the best value for your money. So, what’s the secret to finding reliable, affordable car insurance? You need a decent car insurance guide to help you find the solution that works for you.

Shop around for the best deal. Get several car insurance quotes from companies before you buy or renew your policy. Insurance companies vary so that you can get a better deal somewhere else. Don’t be afraid to switch. You can change insurance companies whenever you want, even if it’s in the middle of your car insurance policy term. If you find a better rate, change and save.

There are three main types of Car Insurance:

• Third-party, which covers your legal liability if you damage someone else’s physical property (walls, vehicles, gates etc.) due to a driving accident.
• Third-party Fire and Theft offers third-party cover and adds on two valuable pieces of shell – fire damage to and theft of your car, including damage caused by theft or attempted theft.

A fully comprehensive policy includes Third Party, Fire and Theft and will pay for damage to your vehicle in the event of an accident. There are many extras; for example, it will also give you cover when you drive other people’s cars – applicable if you borrow someone’s car and their Insurance does not cover you.

Considerations for car insurance:

• The following factors affect what you pay for your premiums.
• Your age, your job, your driving record.
• The car you drive. The higher the value of the vehicle, the higher the premium. High-performance cars are also more expensive to insure than their stock standard equivalents.
• Then there’s the location of the car. You’ll pay more if you keep the vehicle in a high-crime area or park it on the street at night.
• What do you use the car for? You’ll pay more if, for example, you plan to use the car for business delivery purposes.
• Then there is the excess structure that you choose. The higher the excess, the lower the premiums.
• Gear Locks, Satellite Tracking may sometimes help reduce your premiums.

If you are buying a new car, don’t forget to shop for Insurance!

For a first-time car buyer, the process can be a difficult decision. Many buyers are unaware they need Insurance before driving their new car off the showroom floor. The financial institutions providing the finance for the purchase will insist on this to ensure their new asset is protected.

Don’t just accept the first offer; get at least three quotes before deciding. “Many banks or finance institutions are affiliated with insurance companies or brokerage firms. Therefore, New buyers may feel pressured to take insurance coverage through the bank’s preferred supplier. It is important to know that this cannot be enforced, and the decision lies with the client. This makes it essential to shop around for competitive quotes, to ensure that you are offered the best deal – from the perspective of both cover and price. For young drivers, this becomes imperative, as they are often penalized for their age and lack of driving experience, translating into higher premiums and excesses.”

Insurance for Cash Buyers

Cash buyers are not exempt from the need to insure their new car. Thefts and hijackings are still a reality, and the growing number of vehicles on the road puts all drivers at increased risk of being involved in an accident. Choosing an insurance product suitable for budget, value adds, cover and excess payable is a careful decision that, with the right advice, can be made sensibly and safely.

Many young, first-time buyers find that purchasing Insurance through a direct insurer is simple.

They will likely receive a tailored insurance solution catering for their specific needs – with direct Insurance; clients don’t pay additional charges for getting what they want. Any driver about to purchase a new vehicle would do well to consider direct Insurance’s time- and cost-saving benefits.”