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Looking At Car Insurance Quotes

Feb 19, 2008
The task of obtaining car insurance quotes can be an arduous one. However, the problem of deciding which insurance provider to approach and how to ensure that you have found the best deal could easily be resolved by using a specialist car insurance broker when searching for quotes. You only have to give your details the once and the broker, who is independent and has access to the market place, can then supply you with the car insurance quotes as required.

Once you have the car insurance quotes, it is prudent to read the contents of the cover provided carefully to ensure that it fulfills all your requirements. If you choose to have fully comprehensive car insurance, you may wish it to include additional extras. A free courtesy car should your vehicle be in the garage for repair after an accident, or the inclusion of free windscreen repair. The peace of mind provided by having legal expenses, as an optional extra may also be desirable.

The price of car insurance quotes can be greatly influenced by the amount of excess that you are willing to pay in the event of a claim. The more the amount of the excess is increased, the lower the premium becomes. The number of years No Claim Discount (NCD) accrued also influences the cost and you need to judge whether you wish to protect it. A number of insurers will offer this protection even if you have made a claim or had an accident within the past five years. However, this protection is often built into the end price and they may stipulate that you must remain with their company for a number of years. So when reviewing the car insurance quotes, it pays to keep that in mind.

Other factors to consider are motoring convictions, also the age and sex of the driver. Certain types of drivers are generally deemed safer, like women drivers or drivers over the age of fifty. In addition, memberships of motoring organisations such as the institutes of Advance Motorists can be rewarded with more favorable car insurance terms. How the vehicle is kept will help reduce its insurance risk. You need to specify whether it is garaged overnight or parked off road and if a car alarm and or an immobilizer is fitted. How the car will be used, just for pleasure trips with low annual mileage, or used for commuting. If you plan to use your car for business use, then you must seek the appropriate cover as this is deemed to be outside the normal everyday use covered by the average car insurance policy.

Often insurers will give reduced premiums if you also have another insurance product with them, for example, house insurance.

When you have decided upon the car insurance quotation that best suits your needs, your method of payment can actually affect the price you pay. Your budget may dictate that you can only afford to buy car insurance if you pay monthly; there is normally a surcharge on the policy reflecting this. However, some insurers will allow payment using two installments without incurring a fee. If you can pay annually and you choose to buy your car insurance online, this will often yield a further discount, sometimes as much as 20%. All these factors need to be considered when obtaining car insurance quotes and a specialist broker could help you with this.
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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