Vehicle Shipping Prices – Where To Find Cheap Car Insurance Online
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 – be determined by a number of 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 online. Most companies can provide you with a quote fairly quickly – in general, it will take from between ten to twenty minutes to enter the needed info into one of the online application forms. There’s also generally a free number to ring if you would like to talk to a person.
Comparing car insurance quotes online
Obtaining car insurance quotes online is rather straightforward – although you will find a few things you should keep in mind. Not all insurance companies will provide an instant quote on the screen in front of you; a few companies might email the quote to you or ring you at a later date.
Some car owners do not recognize that even when their current policy is not up for renewal just yet, most insurance companies will allow a customer to cancel the policy, if they choose to switch insurance companies. In this case, you’re generally entitled to a proportionate amount as a refund.
One way to easily compare car insurance rates and products is to make use of one of several web sites which offer comparison shopping. Two of the better sites are the aptly named confused.com and moneysupermarket.com. The majority of websites compare the UK’s top insurance companies, including AA, Norwich Union and First Direct.
How to keep your premiums down
There are numerous means 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. In any other case, try to park in your driveway, instead of on the street – this will also decrease the chance of vandalism.
Make certain you precisely report the mileage that you drive in a year – do not pay for a lot of mileage. A change in employment or lifestyle may mean less mileage – many individuals do not bother to change their car insurance details when this happens.
Having a car alarm or immobiliser installed in your car will also usually bring about lower payments. An additional driver making use of the car might mean increased premiums. And naturally, your past driving record likewise has a substantial 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 likewise enables car owners to take out adequate insurance without paying more than they have to.
Norwich Union’s product is appropriately named Simple Cover and is available online only. The product likewise gets rid of some of the unnecessary extras that customers often unconsciously pay for. One more big difference is that the premium is payable in a yearly lump sum, instead of monthly.
Tesco value car insurance is also available online exclusively – even the application form is simpler – and Tesco has taken a few of the unnecessary extras out, which can increase the cost of premiums. For example, Tesco value car insurance doesn’t offer a replacement car for use during repairs, or cover a broken windscreen.
Looking for car insurance online shouldn’t be hard. With a bit of research and the right list of web addresses, choosing the right car insurance can be easy and stress-free.
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