Auto Insurance Articles 8

Guide to Car Insurance


Here is a useful guide to car insurance. Buying car or motor insurance is important as it is legally enforced in the UK . You are required by law to have a policy to cover your liability to other road users.

Car Insurance protects motorists and drivers against liability in the event of accidents they may cause. It can also provide cover for the motorist's own vehicle. If you are the cause of an accident the car insurance company will pay your liability to other people involved in the accident.

Car insurance is a contract between you and the insurer, specifying each party's rights and obligations. Essentially the car insurance company promises to provide specific coverage for you in return for your payment of the car insurance premium.

Many different types of car insurance cover are available, ranging from third party cover which protects individuals against liability should they injure a third party or cause damage to a third party's property, but does not provide any cover for the individual's own vehicle or property, through to comprehensive cover, which can offer protection for accidental damage, theft, fire damage as well as liability towards third parties.

The basic legal requirement is Third Party Fire and Theft but this will not cover you for most things that can happen to your car.

The two main types of car insurance available in the UK are:

Third Party Fire & Theft Insurance which covers the following:

Liabilities for injuries to other people, including passengers

Liability for damage to other people's property

Liability of passengers for accidents caused by them

Liability of fire and theft

Fully Comprehensive Insurance which covers the following:

Liabilities for injuries to other people, including passengers

Liability for damage to other people's property

Liability of passengers for accidents caused by them

Accidental damage to your own car excluding any excess

A personal accident benefit

Medical expenses up to a stated limit

Loss or damage to personal effects in the car, up to a stated limit

You may freely reprint this article provided the author's biography remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

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Auto Insurance Articles 7

10 Ways To Save On Car Insurance


For most people car insurance is a the single largest insurance expense after health insurance. Rates are high and are forever climbing, at least it seems that way. You can save money on your car insurance premiums by following these easy to implement steps.

1. Shop Around. Yes, it pays to shop and compare. Regulatory changes at the state level may have encouraged new companies to jump into the market, thereby increasing competition and reducing rates for consumers.

2. Raise Your Deductible. A $200 deductible sounds wise until you learn that the cost for having a deductible at this threshold can drive your rates through the roof. Consider a deductible as high as $1000 to save on premiums. You can always fix minor mishaps on your own.

3. Drop Collision. If your automobile is worth less than two or three thousand dollars, consider dropping collision altogether. Sure, you will get nothing from your insurer if your car is totaled, but the savings you realize by dropping collision can be used as a down payment for your next car.

4. Look For Discounts. If your car has certain safety features, make sure that your insurer is aware of this. Older cars, for the most part, do not have air bags but if you have a model that has airbags, you will save money on your insurance.

5. Business Deduction. If you drive your car for business, a portion of your insurance costs may be deductible. Conversely, your rates may be increased if your insurer knows that you use your car more for business than pleasure.

6. Combine Policies. Purchase your homeowners, auto, and life insurance policies from the same broker and you may save on your premiums. Some insurance companies reward policyholders if they one-stop purchase all of their insurance needs through one company.

7. Consider Before You Buy. The Porsche Boxster may be your ideal car, but it could also sharply raise your insurance rates. Maybe a less sporty model would be ideal.

8. Drivers Ed Course. You may have taken a drivers education course and your insurance company has not factored that in when determining your premium. Let them know that you are a safe driver!

9. Deleted Points. If you had moving violations that were reported to your insurance company, make sure that your insurer adjusts your premium downward if several years have gone by since the occurrence. You could be paying a premium higher than you deserve.

10. Check Your Policy. If the insurer has the wrong address, town or zip code on your policy you could find yourself paying more than you should.

Reducing your car insurance costs should not be an impossible feat. By following these steps you should realize some savings the next time your policy comes up for review.

Matt Keegan writes articles designs websites through his online business at http://www.thearticlewriter.com

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Auto Insurance Articles 6

Compare Car Insurance Companies Before You Commit

If you want to save money on your car insurance, compare insurance companies before you sign up for an annual premium. Car insurance premiums can differ as much as 300% between carriers for the same coverage. Comparing quotes is the only way to find the best deal. Fortunately, online insurance sites have made this easy.

Compare the Same Service

Insurance companies may shout that they have the lowest prices, but that may only apply for no accident drivers with high deductibles. To have a realistic idea about prices, compare the same deductible and coverage amount with several different insurance companies. Free online insurance sites can easily do this for you with side by side comparisons.

Supply Your Personal Information

Giving information about your marital status, zip code, and driving history can be intimidating, but they are all factors that influence insurance rates. It is best to give out this information to make sure you get each discount that you qualify for.

Read the Details

A car insurance company with the lowest price may not be the best value. Read the details to see what coverage is included. Determine if they require you to use their shops for repairs or if you can request a shop you trust. Also, check to see if your rates will jump up if you are in an accident. The details can cost you quality and money in the long run.

Ask about Discounts

Not all car insurance companies offer the same discounts, so it is best to ask. Discounts for safety features such as automatic seatbelts, airbags, and daytime running headlights are common. Less common discounts are deductions for kids at college over a 100 miles away from home or taking a certified defensive driving class.

Check Rates Yearly

Once you sign up with a car insurance company, you dont have to stay with them forever. Make it a practice to compare insurance rates annually before signing up for another yearlong premium. This is also a good opportunity to update changes in your personal status and vehicle information which could result in lower insurance costs.

To view our list of recommended companies for auto insurance online, some of which can give you multiple insurance quotes from different companies, visit this page: Recommended Auto Insurance Companies Online.

Carrie Reeder is the owner of eZerk, an informational website with articles and the latest news about various topics.

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