Saving money is on all of our minds. The good news is, when it comes to getting value car insurance that’s very possible. All you need is a little know-how. For example, you can take advantage of all the internet has to offer by using a comparison website (such as the Tesco Compare car insurance service) to shop around for the right deal, quickly and easily.

Unlike the limited range available on the high street, a service like this gives you access to many policies all at different prices and with different features. You can compare car insurance terms and prices and whittle down the policies until you find the cover that best suits your needs.

Check what the cover entails

When looking for value car insurance it is also essential that you check the details of the policy and do not just focus on the price. It is no good buying cheap cover only to find that it does not meet all your requirements or that you are paying for something you do not need. An example of this would be to buy car insurance that comes with European breakdown cover when you do not travel outside of the United Kingdom. You could be paying for this feature within the policy cost unnecessarily.

With this in mind, checking exactly what the cover includes is essential. For instance, the cover could pay out what is known as an “agreed value”. This is where your vehicle is given a value at the time you take out the insurance and you would receive this amount if your car was stolen or written off. However, other policies might pay a claim with depreciation taken into account. Therefore, when evaluating cover check that you are comparing it on a “like for like” basis, otherwise you will not be getting a true picture.

Now that you know what to consider when choosing your car insurance, do note that there are other factors that you can often influence to your benefit to affect how much you pay.

• The security of your vehicle will often affect how much you pay for your premiums. With this in mind it could be worth paying out to fit additional security devices to those that already come as standard from the car manufacturer. Some insurers may offer a discount on your cover if you park your vehicle in a garage or on a private driveway rather than on the side of a street.
• Paying annually or by monthly direct debit. Often if you cannot pay the motor insurance in one lump sum and decide to pay by direct debit, then the insurer may charge you more as they see this as giving you credit.
• The excess. You could elect to pay more than the standard excess on the policy to make savings. The excess is the amount you would have to pay in the event of the claim
• Finally, another way of getting good value car insurance is to never automatically renew your cover without first shopping around. You may no longer be getting the best and cheapest deal that you once were. Instead take the time to look around and make comparisons for lower cost insurance to suit your needs.

Think of a product which has 200 options and you want to pick one, how difficult and head scratching decision it will be! Choosing a car insurance service provider is also as difficult as choosing that product. The car insurance do different type of pricing for different type of coverage they provide. Also to make it attractive they provide discounts on certain backgrounds, which can be availed by limited number of people. Now to know about this discount is a huge task because as mentioned above there are many insurance providers. The comparison of quotes and then the comparison of the discounts, there are number of steps while taking up a car insurance policy.

If the individual knows the ground on which the discounts are given, then the task become little easier. Generally discount is there on the basis of the type of vehicle the individual is using, whether it has security tools or not is an important criterion which insurance company considers while giving discounts. Also it is advisable that to take insurances which are yearly, they are also discountable. Sometimes association with various organizations leads you towards a discount like member of some specific college, or club. So an individual can know the list of that type of organization and can become member of possible. When it comes to bad drivers then getting discount is little difficult but then also if good records are being maintained and they do some certification course of defensive driving then they get some relief at the cost part in form of discounts. When it comes to gender, female discounts are implicit and they get the benefit of being the safe drivers. Insurance companies charge less or give discount on those vehicles which are taken on bank loan. Last criteria but not the least if you have a good credit card balance and a reputed credit card provider then also you becomes eligible for some type of discounts.

But as mentioned in the first paragraph knowing the backgrounds is only one of the basic part then begins the comparison of the discounts of various car insurance provider. In general the an individual go on this way first he/she can list down 10 companies on the basis of there quotes and coverage and then can compare those 10 companies can be compared according to their area and amount of discount. In this way the buying process can get shrink and the individual will end up with a good service provider.

The traditional car insurance service was designed to protect car owners who drive, on daily basis, regular and common cars. On the other hand, classic cars are very different from regular cars and this makes their insurance different.

It is a statement of fact that most classic car owners do not drive their cars daily. They use these cars when they have important meetings, show and exhibitions. This gives classic vehicles their yearly low mileage reputation. Note that these cars need more basic insurance protection since they are only driven once in a long while; hence they are some times cheaper to insure than newer and more regular cars.

However, it is also true that the parts of classic vehicle are more difficult to get and replace in the event of an accident or theft. This makes a lot of insurance companies’ advice their owners to keep their cars in a locked garage all the time. This is one sure way they are sure would reduce claims on these rare vehicles.

Classic cars have the reputation of appreciating in value over time; this makes it actually difficult to conclude on their true worth. Also, because of the customization they get from their owners, it becomes mandatory that they are properly insured.

One very wise way to save on insurance as a classic car owner is to cut the overall insurance on the car to fire and theft only. This works well since it covers your automobile when you are out driving on those special events and occasions that you only use the car for.