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Using A Motor Insurance Search

Apr 23, 2008
It is compulsory by law that you have a certain level of cover, although the level that you choose is decided by you and how protected you feel you need to be. You may be surprised to learn how many car insurance companies there are these days that specialise in all aspects of car insurance and how easy a motor insurance search can be. Due to this fact, car insurance is a very competitive business and as a result they can offer you great deals.

Third party insurance will insure the driver for liability for injuries to others as well as for damage to another person's vehicle. However if you have a particularly expensive car then you may wish to opt for either third party, fire and theft or fully comprehensive insurance. Third party, fire and theft covers your car if it is stolen or set on fire but only covers any damage that occurs to the other person's vehicle.

Fully comprehensive cover is the highest level of cover available and offers protection should your car be stolen or involved in a fire or accident. It also covers third party damage. As you may however expect, comprehensive cover comes at an added cost and this will cost you more then either of the other two.

The majority of car insurance policies are calculated using an assessment of the driver's risk level and is based on your age and gender and the make and engine size of the vehicle. Men have been shown to be more at risk of being involved in a car accident than a woman, and it is believed that a new driver will be more likely to have an accident then someone who has been driving for a considerable length of time and therefore has more experience. It is therefore no surprise that a young, male driver will be paying much higher premiums than an experienced female driver who is believed to have proved themselves as a safer driver.

It is not surprising to learn that motor insurance companies have realised that offering insurance aimed at target groups is a great way of cornering certain groups and being able to offer deals specifically for them. If you happen to fall into any of these groups then it can really help you to find a good deal. Some may even give you some extras that another motor insurance company does not.

There are many tips that could save you money when carrying out your motor insurance search. These include fitting an alarm system or immobiliser as this increases your level of security will reduce your premium as your car will be more protected which in turn decreases the chances of you needing to make a claim.

Many people like to update their car from time to time to a newer model or something more suitable if you have children and when you do make sure that you do a through motor insurance search and check with your insurer the impact that this upgrade will have upon your premium as you could suddenly find yourself in a higher insurance group.
About the Author
David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance .
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