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Finding That Elusive Cheap Car Insurance Cover

Feb 3, 2008
While there are many things you can do to help yourself save when it comes to taking out car insurance cover, one of the best is to go online with a broker. A specialist car insurance broker is able to search on your behalf within the motor insurance market place to make sure they find the best deal.

However there are more benefits than just saving money. The time and aggravation you can save is enormous, you will get among the cheapest premiums delivered in the shortest time possible. The quotes you are given are almost instantaneous which then means you can sit back and take your time looking through them.

When it comes to helping yourself to knock off pounds on your car insurance cover there are several factors you need to be aware of. One of the best is experience in driving and a clean driving record. If you have an excellent no claims bonus then you can make savings too. For those who are just starting out and do not have no claims bonus they can take advanced driving lessons which many insurers will give you discounted premiums for.

The size of the car and engine will determine how much you pay for your insurance with larger engine sizes costing more to insure than a smaller one. Cars that are considered to be in the "flashy" range will also push up the premiums compared to a family model.

Your age and gender affects your car insurance cover too. Younger drivers are often quoted a lot more for their cover than an older driver. This is due to a lack of experience and historically, the increased likelihood of having a serious motor accident; however a younger driver can help to reduce their premiums by taking advanced lessons and sticking with a smaller car. There are also insurers who will specialize in offering cheaper car insurance for younger drivers and a broker will be able find these. The same goes when it comes to women drivers and drivers over a certain age.

Fitting your car with security measures can help you to make savings. Installing such items as steering wheel locks, tracking devices and having you windows etched can all go towards reducing the amount you pay for your motor cover.

The type of insurance policy you choose to take will also reflect on the cost of car insurance. The choices for cover include third party fire and theft, third party only and fully comprehensive. Third party only is the cheapest insurance you can take out but it is also the very basic. Third party fire and theft is a good choice for those buying a second hand car or for younger drivers and fully comprehensive is the dearest but gives the most cover.

A broker will be able to find the cheapest car insurance cover for all types of vehicles and along with this will be able to provide excellent advice on all aspects of insurance. You can find help by way of FAQs and articles which mean you get the right type of insurance for the lowest cost possible.
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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