Car insurance is a very expensive
commodity (unless you vidsit a cheap car insurance site like
of course) than most of us particularly now that we have a credit crunch and most
of us are decidedly feeling the financial pinch! Sadly though we have no choice,
because, quite rightly, driving without insurance is a very serious offence
which could result in offenders losing their driving licences. However, there
are ways and means of reducing the premiums considerably, and a good place to
start is the Internet.
If you are over 50 things get a bit
brighter. Insurance sites like overfiftycarinsurance.co.uk (click
here to visit the site) offer not only cheap insurance for the over 50s but
also useful hints on how to reduce premiums and avoid rogue insurers. Well worth
Most people think that insurance policies
have a fixed price but this is not the case. There is in fact a minimum price
which is charged by the insurance company but brokers are usually free to charge
whatever they wish, within reason, over and above this. This is also common
practice with comparison websites. The moral therefore is to shop around as many
sources as you have time for, to find the best bargain.
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cheap car insurance.
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Once you've chosen a good insurer take a
look at what you actually need from your policy. If you're mileage is usually
fairly low, to see if they give a reduction for people who cover lower distances
than the average.
Be realistic about how much your car is
worth. If you are all lucky enough to have it written off in an accident the
insurance company will obtain an ad up-to-date valuation of a typical car of the
same model and mileage, and that is the maximum that they will pay out on so if
you have it insured for a higher figure you will just have wasted money.
If you file into a particular driving
category; for instance if you have a high no claims bonus, or you are a young
driver, or your car is particularly valuable, try searching the Internet for
insurance companies that specialise in cover for people with your particular
requirements. A policy from a specialist company can often come at a lower
premium, or with better benefits, than one from an insurer which covers only run
of the mill policies.
All this may sound like a lot of trouble
but the fact is that if you follow these guidelines you would almost certainly
save yourself money, and possibly a great deal of money, on your next and future
car insurance policies.