Posts Tagged Motor Insurance

Author: Danny Aaron
Source: ezinearticles.com

One of every parent’s most dreaded moments is handing their teenager the keys to a motor vehicle. In this moment, they know that they are trusting their child to operate a piece of machinery that can be seen as either a tool for independence, or, worse, a weapon. Unfortunately this time will come at some point or the other for every parent, and the best thing you can do for peace of mind is to ensure that your child knows how to drive as safely as possible.

Teaching your teenager how to drive properly, obey the rules of the road, and also, maintain a low car insurance premium, is very important. Teaching your child how to drive properly is a direct way of ensuring they will maintain a low car insurance premium, especially if you are the one who is going to be paying it. It is common knowledge that car insurance premiums for young drivers with little or no driving history can be very expensive. Because your child is a new driver, this makes it even more important for them to be insured when they are on the road.

The first thing you need to do is to ensure that your teenager is completely able to drive properly. This may seem like an odd thing to focus on, as many people may be of the mind that if their child passes the driving test, that means they can drive. This is not always necessarily the case. Passing the driving test based on all the formalities that have been practiced for, is very different to being a motorist on the roads on an almost daily, if not totally daily, basis. Drive with your teenager as often as possible in their learning experience. Teach them in a calm, confident and non-judgmental way to drive cautiously and carefully, observing and obeying the rules of the road as concisely as possible. Practice makes perfect, so no matter how wary you are of driving as a passenger with your teen, you may need to literally take a back seat on occasions. Observing how your child drives and giving them handy hints whilst on the road can be completely invaluable to their driving future. Beware of overstepping the very thin line though, as a lot of strong minded teens trying to prove themselves and their driving abilities, may not be impressed with a nagging back seat driver. Maintain a helpful but trusting tone at all times. This is the best thing you can do for your new teenage driver.

Encourage your child to take as many driving lessons as possible. Too much is never enough with driving experience under the hand of a licensed instructor. It may be costly, but if your child has an accident the price you pay could be even higher.

A lot of teenagers get over excited and swept up over getting a new motor vehicle. They may feel the pressure and urge to get the fastest or smartest car possible. If you or your teenager, depending on who is purchasing the vehicle, can afford it, rather encourage your child that safety in a motor vehicle comes first. A vehicle that comes loaded with safety features will be far cheaper to insure, repair and replace than something that is geared more towards looking good or driving really fast.

Enforce the safety of your teenager’s vehicle in their minds at all times. Ensure that they know how to work the alarm and immobilizer system, and any other safety features that are in place in the car. Tell them to put these safety features on at all times, even if they are only leaving the car unattended for a short while. It takes a thief only a few minutes to break into a motor vehicle.

By teaching your teenager from their young driving age how to be cautious and respectful of their place on the road, they are already on a good path to the lowest monthly insurance premium possible, and also their own bodily safety each day when they venture out.

To obtain the most competitive of car insurance quotes visit http://www.payasyoudrive.co.za.

Author: Ranjit Kaurbr
Source: articleage.combr
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Life, it seems, is one continuous cycle of spending.
Mortgage, council tax, gas bills, pensions, road tax, TV licence, telephone bills, MOTs. The list seems endless. Its a wonder that weve got any money left over for the things that we enjoy.
Most of the bills we have to pay dont leave us with any choice; its a set fee and non-negotiable. But there are some things that we have a degree of control over.
And, thankfully, motor insurance is just one of those things. By searching around the plethora of different companies and policies that are available you should be able to get a deal to suit your budget.
But there are also ways of saving a little bit more cash and ensuring yourself an extra cheap car insurance deal. And Duck2Water Car Insurance Services have revealed how to do it, betraying a few industry secrets to give you the low-down on bagging some cheap car insurance.
Start off by clearing all the old junk out of your garage, making enough room to squeeze your car in. A vehicle parked in a garage is so much less likely to be stolen or vandalised than one left on the street and a car insurance company will recognise this, giving a significant discount.
If theres no garage available then the driveway still beats the street but do make sure that you get hold of a decent steering lock and, if possible, invest in an immobiliser too.
Arrange to go on an advanced driving course where youll learn a few extra little skills. It may seem a big hassle, especially if youve just passed your test, but motor insurance companies put a big value on courses such as Pass Plus, and as a result you should save a few extra pennies. As well as that, youll learn some valuable driving skills that are definitely going to come in handy somewhere down the line.
However much discount youre going to be able to negotiate, your car insurance is still going to cost a fair bit. Its tempting to spread the cost of the payment out over the course of a year, but if possible, try and pay it all up front. Most motor insurance firms charge a fairly high rate of interest, so if you really cant afford to pay the lump sum, see if you can borrow the money more cheaply somewhere else.
If your car is getting on a bit, consider buying third party, fire and theft cover instead of fully comprehensive. If you drive a bit of a heap then think about whether your car is worth the extra premium that youll pay to get it comprehensively covered. Youll still be insured against any damage that you cause to another vehicle or person and youll receive the whole value of your car if it happens to get stolen or burnt out.
Shop around for a quote; dont just buy from the first company you come across. Try different combinations of options that are available to see what the best price you can get is. And if you do find a cheap car insurance quote that you think sounds good, tell another company and give them the chance to undercut the price. After all, theyre desperate for your business and so should be willing to knock off a few pounds to have your custom.
Most importantly, buy your car insurance online. High street insurance firms arent worth dealing with as they wont have a chance of matching an online quote. An online firm, on the other hand, has got lower overheads so can afford to cut the price right down and give you a bargain.
Following these few simple guidelines is a guaranteed way to save a few quid and get a cheap car insurance deal.
Author: Simon Jacobs, Duck2Water Car Insurance (http://www.duck2watercarinsurance.co.uk)
Duck2water Car Insurance Services are experts in cheap car insurance and can provide fast, free quotes in a matter of seconds – just go to http://www.duck2watercarinsurance.co.uk or call 0808 144 0136.br
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Author:
Source: articledashboard.com

Just by simply talking to a specialist broker and answering a few simple questions your broker will be able to search the market and compare car insurance for you on behalf, resulting in you getting the best car insurance at the lowest price that is available to you at that moment in time.

The type of questions a specialist broker will require answers to are such things as: are you the sole owner and driver of the car?; the type of insurance cover you want or need; and, the age and value of your car. Your specialist broker will then need to know whether you require car insurance that is more suitable for a woman or a young driver as often they can get cheaper deals or just general car insurance.

Once the broker has all the answers then the broker can compare car insurance deals on your behalf. Just because someone you know got a good insurance deal with one company, it does not mean that this company will be able to offer you the best insurance deal.

Some insurance companies claim to be the cheapest on the market but when you get a car insurance quote from them you may find that you do not fall into the categories they have for cheap car insurance. This means that you have taken up a lot of your time and effort for nothing. A specialist broker will be able to compare car insurance deals for you which will result in not only you getting the best deal available at the best price available, as well as ensuring that you have the level of protection that you need.

Every year you should contact a specialist broker to search the insurance market to compare car insurance from different car insurance companies. Just because the insurance company your broker got your insurance from last year was the cheapest and best car insurance deal, it does not mean that it will be the cheapest and best car insurance deal for you this year.

Author: Nicholas Hunt
Source: articledashboard.com

Although these days it’s pretty easy to arrange your car insurance online, comparing quotes at the click of a button and paying by credit card for instant cover, one ever present difficulty still remains: the high cost of insurance policies. The fact that having car insurance in place is both a legal requirement and a sensible idea doesn’t detract from the annoyance of having to pay what seems to be an exorbitant sum, and most of us would jump at the chance of reducing the bill.

To do this we need to know what factors insurance companies use when deciding how much our premiums will be.

Perhaps the most important influence on the level of your premium is your own history as a driver. If you’ve a history of having accidents, then naturally you’re a higher risk to the insurer and so they’ll charge you more. Worse, if you’ve been convicted of a motoring offence such as speeding or driving while under the influence, then your insurance will cost you even more – especially if your licence was withdrawn.

On the plus side, a history containing no black marks such as accidents will result in cheaper insurance as you build up a ‘no claims’ discount over the years.

The next most important factor is what kind of car you’re trying to insure. Naturally, more expensive cars will cost more to replace, and so the insurance will cost you more too. This isn’t the whole story though, as other features such as engine size, the availability of cheap spares, and the difficulty of repair will have an influence too. Finally, some models of car are well known for being easier to break into or steal than others – the insurance companies are well aware of this and will adjust their quotes accordingly.

How you use your car will also affect the price you pay for cover. If you rarely drive and have a low annual mileage, then your premiums can be cut as you’re on the road for less time, and therefore have less chance of needing to make a claim. City drivers may also have to pay more compared to those who drive in quieter areas.

Where you keep your car is important too – if you have a secure parking area, preferably one that keeps your vehicle out of sight and under cover, then your risk is lowered, as will be your premiums. Cars that are regularly parked at the roadside are at a higher risk of being stolen or involved in collisions, and so will be more expensive to insure.

One final point to cover is that of how attractive your car is to thieves, and not just in the obvious way of how desirable your vehicle is! An expensive car with a good security system including an alarm and window etching etcetera will be more of a hassle for criminals to profit from, and so is less likely to be stolen than a cheaper car with little or no security. Also, a car featuring plenty of gadgets such as an expensive audio system or satellite navigation will attract greater interest from potential thieves.

So as we can see, even though car insurance is an expensive business, it’s not always as simple as it seems, and by looking at what insurers want in a ‘perfect’ customer, you may be able to drive down your premiums.

Author:
Source: articledashboard.com

Car insurance varies from provider to provider and of course you will want to get the best and cheapest deal when it comes to insuring and getting your car legally on the road. One of the cheapest ways of insuring your car is to go with motor insurance brokers; they can scour the internet for you and deliver you quotes quickly, finding you the most suitable and the most competitive quotes.

Before getting your quotes you have to decide what type of insurance you wish to have and this will depend on your circumstances and other factors such as the value of your car. An old car wouldn’t perhaps benefit from having fully comprehensive insurance and a brand new car of course would require that you did insure it for fully comprehensive.

Fully comprehensive is the dearest type of car insurance but again a motor insurance broker will be able to get you the cheapest quote if this is the type of insurance that you want or need. It will cover against damage to yours and any third party’s car and also includes fire and theft insurance. The majority of policies also include medical and health insurance.

Third party fire and theft will protect your car against damage by fire and if it stolen and also for others claiming against you if you should be involved in an accident.

Third party insurance only will cover against others claiming against you if you should be in an accident and is the cheapest form of car insurance. However, any damage caused to your vehicle by yourself will not be covered by third party insurance nor third party, fire and theft cover.

Checking out motor insurance brokers is the best way to get the cheapest deals on your car insurance as they are the experts and instinctively know where to look when it comes to getting the cheapest deals. If you want to help cut down the cost of your car insurance before applying for the quotes then install such features as car alarms, immobilizers and take advanced driving lessons, all of these can help to reduce your quotes with a motor insurance broker.

Author: Chelsi Woolz
Source: ezinearticles.com

Australians are fortunate enough to have many options on the table when it comes to making the decision on car insurance. However, if you own or are looking to buy a valuable used car worth say, $10,000 or more, or indeed a brand new car from a car dealer you’ll need more than the regular CTP Green Slip.

Have you ever considered not renewing your comprehensive car insurance? Or have you ever bought a new car or valuable used car and thought you might save yourself some money by not paying for car insurance? If so, you’re not alone. A considerable segment of motorists in Australia are driving with only the basic CTP green slip cover usually due to the low monetary value of the vehicle. More worryingly, there is a sizeable minority of motorists driving illegally, unregistered and uninsured.

Thankfully, the motorist who has comprehensive car insurance has protection for damage to their own car and covers for any damage you may cause to the property of others. Furthermore, Australian car insurance provider, AAMI, allows to drivers to choose higher excess in order to lower premiums.

Now, here are five days when you wish you had car insurance:

Car Park Blues: It’s a busy Saturday at the mall. The car park is full and spaces are few and far between. Unfortunately, it’s quite common for a fellow shopper to misjudge their entry into the parking spot and grind their bumper the length of your prized vehicle. Remember, even just a little bump given to somebody else’s car can cost thousands of dollars to repair.

Cracked windscreen: Driving along the highway a loose stone or piece of gravel can be flicked into the air by fast moving cars and trucks up ahead. If the stone or piece of debris is sufficiently big and it strikes the car windscreen hard enough it can smash or badly crack causing a costly repair bill.

Storm Damage: You know the drill. Your car is parked on the street, meanwhile you are stuck in your office and can’t get down to the street to move your car in time before one of those menacing storm comes rolling through! Sydney and other coastal centres along the East Coast are prime regions to be affected by heavy storms. For instance, the infamous thunderstorm that came through in 1999 damaged over 20,000 homes and buildings, took its toll on around 40,000 vehicles and even damaged 25 aircraft at Sydney Airport. Would your car be insured if it were damaged in such a storm?

Car Theft: Sometimes your mates will move your car around the street corner for a laugh, but unfortunately, if you have your car stolen for real you’ll be amongst a the crowd of car crime victims. From January 2007 – December 2007, based on a list of the top twenty cars stolen, around $29.1 million worth of cars were knocked off. In fact, on average there were 187 vehicles stolen each day in Australia. Thankfully, the premiums you pay for comprehensive car insurance will cover the loss. Some insurance companies will even give you complimentary taxi service and up to 14 days car rental.

Accident: If you happen to be involved in an accident, hopefully any injury (or worse) caused to the other driver or yourself will be minimal. Besides that, you’re accident will undoubtedly cause damage to your car with panels needing beaten, major mechanical fixes and other smash repairs.

The motorist in Australia have many obstacles and challenges to face and here are five occasions when you would be left wishing you had comprehensive car insurance. You can buy car insurance and get protection from companies such as AAMI.

Author:
Source: articledashboard.com

For all the women out there who simply cannot get their head around the minefield of car insurance – and it happens to men too by the way – then the easiest way of getting car insurance is to talk to a car insurance broker. A broker will be able to search the market for the right car insurance specifically aimed for women, at the right price; this is the cheapest way to get your insurance while getting the best deal possible.

There are some insurance companies that do motor insurance especially for women but if you do not know who they are and what they are offering then you could spend a lot of time and effort and quite possibly cost yourself a lot of money contacting several companies to get an insurance quote, only to be disappointed by what you are quoted. Do not forget a broker will know where to look for the best policies and the cheapest deals straight away.

Driving a small car instead of a big a car will reduce the cost of your car insurance. This is because small cars normally have a smaller engine, which will also give you more miles to a tank of fuel resulting in costing you less to get from A to B. Enhanced security features will also make a difference to the cost of your car insurance, a car fitted with an alarm or tracker or immobiliser is a more secure vehicle and therefore less likely to be stolen which brings down the premium charged for your insurance.

Once you have found a broker then you don’t have to be worried about your car insurance when it is time for renewal next year. Simply contact your car insurance broker again and let them search for the best car insurance for women that is available. With another years’ driving experience under your belt too, your current deal might not be the correct deal and it could be costing you money if you simply renew your insurance with your current insurance company.