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What To Look Out For In Your Motor Insurance Search

May 31, 2008
When using a motor insurance search, it is important to know what to look out for in order to get the best deals to suit you. There are a number of different factors that you should focus on and here you will find all of the information that you need in order to get back the best results to suit your individual needs.

What Every Good Motor Insurance Search should include

Every good motor insurance search should include the following:

* What type of insurance you are looking for

* Your gender and your age

* Any specific deals you may qualify for

* Discounts

Ideally you should already have a good knowledge of what you are looking for in your car insurance search. Researching the different types of insurance will help you to have a good idea of what you need. For example, what do you want covered in the insurance? Do you need third party cover? Would you like to include breakdown cover? Is fire and theft insurance important to you? By knowing what you want, it will obviously make it easier to find the best insurance for you.

Your gender and age will affect your insurance quote because insurance brokers use statistics to work out individual rates. Females are less likely to have an accident than male drivers and so as a result insurance brokers tend to give women cheaper quotes. Also, if you are over the age of 21 and under the age of 60 then you will also be given a better rate. All good specialist brokers will use your gender and age to find the right quote for you.

Another factor that a good broker will look at when finding some of the best quotes for you are any specific deals you may qualify for. In the example of female drivers, once you have selected your gender, the broker should find you some of the best deals based upon that. So if you are a female driver, the broker should look for female specific companies to see if they are cheaper. The same can be said for classic car drivers. Classic car insurance is generally higher than ordinary car insurance. Your insurance broker will be able to look for specific deals for classic cars if that applies to you.

Finally discounts should be taken into account with any good motor insurance search. Discounts are usually given for applying online, for no claims bonuses and for other factors too. Once you have typed in your personal details, a specialist broker should be able to find you some of the best deals in reference to your individual circumstances.

Overall finding the right insurance to suit your needs can be time consuming. That is why there are specialist brokers available to help. They will be able to look through hundreds of companies in order to find good, cheap, relevant results. By understanding the different factors that can affect a motor insurance search, it will enable you to find the best deals possible to suit you.
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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