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Best Car Insurance

Apr 4, 2008
Car insurance is a legal requirement if you wish to drive a car on the road and there is no way of getting around this fact. Having a valid car insurance policy is incredibly important as it is there to provide you with cover in the event of an accident or damage to your vehicle and therefore against the potentially high costs that such damage could incur. It is illegal to drive a car without a valid motor insurance policy and if you are found to be doing so then you will more then likely have to to face a hefty fine or even a jail sentence, so it is really not worth the risk.

Finding the best car insurance for you can be a complicated and time consuming business as certain car insurance policies will not necessarily suit everyone, as circumstances will differ and there are a number of factors individual to people that will influence the type of cover and the price of the policy that is best suited to you. Many people may hold the view that the cheapest quote will ultimately be the better quote but sadly this is not the case as although it may initially be cheap, you may find that the policy will cost you more should you require a claim.

It is also worth noting that although fully comprehensive cover may sound like the better option, it will not always be the best choice, especially if your car is worth less than your annual premium. Ultimately, the best car insurance for you and your circumstances is a policy thatspecifically meets your needs and will offer you the best value for money whilst meeting these requirements.

There are a number of tips and points worth bearing in mind when choosing your insurance which may help you to find the best car insurance for you. The more drivers that you have on your policy will result in your policy becoming more expensive. If you avoid adding drivers that do not need to use the car all of the time then you will make great savings. If you are a young driver trying to find car insurance than you will most likely find that many of the insurance companies will penalize you for your lack of driving experience.

The only good thing is that it is unlikely that your first car will be particularly expensive, and so the cost of covering the car will help you to keep costs down to some extent. If you are a more mature driver with an expensive and maybe more powerful car then you may find that searching for quotes for comprehensive cover will be of greater benefit as in the event of an accident, damage to your car and that of any other car that may be involved will be paid for. There are also other bonuses to having comprehensive cover such as being covered for windscreen damage and any personal injury.

If you are a fairly experienced driver and have a good driving record with a limited number of points then you will also be more likely to find that your premium will be relatively low. It is worth remembering that individual insurers will differ with the options available on their insurance policies and so it is important to check first and mention anything you would especially like to becovered in order to find the best car insurance for you.
About the Author
Louis Rix is a Director of NetCars, one of the UK's leading motoring websites. First established in January 2000, it provides car finance, loans and warranty. NetCars also provides a cheap car insurance service.
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