Car and Motor Insurance Guide

Are you tired of paying too much for your car insurance?  Want to see what else is out there?  Luckily for you there are many car insurance options, you just need to know where to look to get the best deals.  There are some simple things that you can do to find the best deals and some basic knowledge you should have before you get started.

Shop around for the best dealGet several car insurance quotes from different insurance companies before you buy or renew your policy. Insurance companies vary, so you could get a better deal with a different company than what you have currently.

Don’t be afraid to make a changeKnow that you don’t have to stay with your current company.  You can switch any time you find a better rate, even if it is in the middle of your policy.

Types of Car Insurance

Third partyThis type of coverage insures your legal liability if you damage someone else’s physical property in the event of an accident.

Third party, Fire and Theft This type of coverage offers third party cover and adds on two useful pieces of cover - fire damage to and theft of your car, including damage caused by a theft or attempted theft.

Comprehensive Coverage: This type of coverage includes Third Party, Fire and Theft and in addition will pay for damage to your own vehicle in the event of an accident. There are many extras, too, for example it will also give you cover when you drive other people's cars - useful if you borrow someone's car and their insurance does not cover you.

What Affects Your Premium Cost

● Your age, your job, and your driving record.

● The car you drive.

● Location of the car.

● Primary use of the vehicle.

● Safety and security features.

● Type of car.

As you can see, there are many factors that come together to create the final price of your car insurance premium.  This is not a number that comes from nowhere, so don’t be offended if it is not as low as you like.  This doesn’t mean you have to accept higher insurance, it may just mean you need to ask for discounts or shop around a little bit before you buy.