Where To Find Cheap Car Insurance Online
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Many people find car insurance confusing – and as a result end up paying more than they should in a very competitive market. The monthly payments or premiums depend on several things – your level of cover, the company insuring you and how much of a risk the insurance company deems you to be.
The popularity of the internet has made it easier than ever to find, compare and choose car insurance on line. Most companies can give you a quote fairly quickly in general, it will take from between ten to twenty minutes to enter the required information into one of the online application forms. Theres also usually a free number to ring if you want to talk to a person.
Comparing car insurance quotes online
Obtaining car insurance quotes online is fairly straightforward – although there are some things you should keep in mind. Not all insurance companies will provide an instant quote on the screen in front of you; some companies may email the quote to you or ring you at a later date.
Some car owners dont realise that even if their current policy isnt up for renewal just yet, most insurance companies will allow a customer to cancel the policy, if they decide to switch insurance companies. In this case, you are generally entitled to a proportionate amount as a refund.
One way to easily compare car insurance rates and products is to use one of several web sites which offer comparison shopping. Two of the better sites are the aptly named
confused.com and moneysupermarket.com. Most sites compare the UKs top insurance companies, including AA, Norwich Union and First Direct.
How to keep your premiums down
There are several ways you can reduce the cost of car insurance. Premiums are lower if you keep your car locked up in a garage overnight over 50% of cars are stolen at night. Otherwise, try to park in your driveway, rather than on the street this will also decrease the chance of vandalism.
Make sure you accurately report the mileage that you drive in a year dont pay for too much mileage. A change in employment or lifestyle may mean less mileage many people dont bother to change their car insurance details when this happens.
Having a car alarm or immobiliser installed in your car will also usually result in lower payments. An additional driver using the car may mean increased premiums. And of course, your past driving record also has a significant effect on the cost of your car insurance.
Basic car insurance policies
A recent and welcome – innovation in car insurance is the concept of so-called basic coverage, as offered by both Tesco and Norwich Union, in an effort to simplify the often confusing process. Basic coverage also allows car owners to take out adequate insurance without paying more than they need to.
Norwich Unions product is appropriately named Simple Cover and is available online only. The product also eliminates some of the unnecessary extras that customers tend to unknowingly pay for. Another big difference is that the premium is payable in a yearly lump sum, rather than monthly.
Tesco value car insurance is also available online only even the application form is simpler and Tesco has taken some of the unnecessary extras out, which can increase the cost of premiums. For example, Tesco value car insurance doesnt offer a replacement car for use during repairs, or cover a broken windscreen.
Shopping for car insurance online shouldnt be difficult. With a little bit of research and the right list of web addresses, choosing the right car insurance can be easy and stress-free.
Tips for buying cheap online car insurance and getting a
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Tips for buying cheap online car insurance and getting a free online car insurance quote
Smart shoppers can save money, buy cheap car insurance and get a reliable free online car insurance quote. The secret is to prepare before you log on to fill out the application.
Here are some tips from an experienced insurance shopper for getting the best deal:
1. Know your own driving record.
Insurance companies want the safest drivers as customers and charge a higher premium to drivers who have poor records.
Surprisingly often, a driver’s moving violation history has been recorded inaccurately by the courts or the state motor vehicle department.
Contact the DMV in your state. For a list, go to www.DMV-Department-of-Motor-Vehicles.com.
Make sure your record is accurate before a car insurance company checks it and decides to reject your application or assign you a higher than necessary premium.
2. Know your consumer credit report score.
If you have a less than stellar credit rating, you can expect to pay more for online car insurance — but don’t spend a penny more than necessary!
Many consumers never know about the inaccurate information that blemishes their credit reports and results in their paying higher insurance premiums. Don’t guess — get the facts.
For information on how to get a free credit report from each of the three major credit reporting agencies, go to www.annualcreditreport.com.
3. Know how much insurance you need.
Usually, personal liability and medical coverage are required, but the amounts can vary by state. Check with your state motor vehicle department to be sure.
The safest course is to buy the most insurance coverage you can afford. But if you’re on a tight budget, you don’t have to buy any more insurance than you’re legally required to carry.
4. Beware the low-ball scam.
That’s when a less-than-reputable company gives you an online car insurance quote that looks low but eventually isn’t. You sign up, they collect your money, and a few months later demand a higher premium than originally quoted.
To avoid the low-ball scam, check with the industry companies, such as www.AMBest.com, that rate car insurance providers. Don’t buy from any insurer whose rating is lower than B. The higher a insurer’s rating, the less likely it is to go out of business owing to insolvency, and the more reputable it probably is.
5. Etch your VIN.
Some insurers give a 10 or 15 percent discount on cars that have the vehicle identification number (VIN) etched into the windows. VIN-etched cars have a 64 percent lower theft rate than non-etched cars. An etched car that is stolen has a better than 85 percent chance of recovery.
Law enforcement authorities recommend VIN etching as a proven, effective deterrent to theft. The process is easy and takes as little as 15 minutes to etch the average car. Purchasing VINetcher, the do-it-yourself VIN Etching Kit, includes the option to register in the National Vehicle Identification Program for increased protection.
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