Monthly Archives: May 2016

These Car Insurance Tips Can Save you a Bundle

With the rising number of car accidents and the rising cost of car insurance these days you want to be sure you’re getting the best insurance at the best rate. Here are three car insurance tips that will show you how to save the most amount of money.

Car Insurance Tips

Car Insurance Tip #1 – Shop for quotes. Shopping for quotes is by far the best way to save the most money on your insurance premium. There are a number of websites that will give you quotes from top insurance companies so you can compare them and get the cheapest rate. (See links below.)

I’ve known people who’ve saved $500 to $1,000 on their car insurance simply by switching companies.

Car Insurance Tip #2 – Increase your deductibles. A deductible is the amount you pay on a claim before your insurance kicks in. Most of us never file claims for small amounts of damage because insurance companies can hike up your rates if you file too many claims, so it only makes sense to increase your deductible to an amount you feel comfortable with.

Increasing your collision deductible from $200 to $500 will cut your yearly premium by 15% to 30%. Increasing it to $1,000 can cut your premium in half.

Car Insurance Tip #3 – Drop collision coverage. Collision covers the cost of repairing damage to your car regardless of who was at fault. If you drive an older car, consider dropping collision coverage if your premium is equal to 10% or more of your car’s value.

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How to Save Money on Cheap Car Insurance

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. It’s a wonder that we’ve got any money left over for the things that we enjoy.

Most of the bills we have to pay don’t leave us with any choice; it’s 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 there’s 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 you’ll learn a few extra little skills. It may seem a big hassle, especially if you’ve 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, you’ll learn some valuable driving skills that are definitely going to come in handy somewhere down the line.

However much discount you’re going to be able to negotiate, your car insurance is still going to cost a fair bit. It’s 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 can’t 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 you’ll pay to get it comprehensively covered. You’ll still be insured against any damage that you cause to another vehicle or person and you’ll receive the whole value of your car if it happens to get stolen or burnt out.

Shop around for a quote; don’t 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, they’re 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 aren’t worth dealing with as they won’t 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.

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4 Ways to Compare Car Insurance Companies

One of the primary activities that you need to indulge in as you go about securing the finances associated with your car would be to compare car insurance. In this day and age when technology is well within the reach of virtually anyone who could stake claims to a car, it is only expected that the search for the best car insurance would only get better, easier, and more efficient. Here is a glimpse at the different ways in which you could compare care insurance companies, and what they mean to the end consumer.

Customer service: All said and done, you would not want to end up dealing with a wall, only to hear your own echo back. Nor would you want to find someone who would yell back at you when yelled at! Customer service has come a long way since the days of monopoly by public limited organisations. That is why it is important to look for the way companies fare in terms of customer service when you pour over the rankings published by established brands.

Product range and availability: You would not want marketers to go all out to confuse you to your wit’s end. However, you would not want to deal with an organisation that is known for one, and just one product, either! Sophistication and development in the field of insurance means that there have been specialised products and services developed to serve unique needs of customers. Before you get car insurance, make sure you have understood what the different products and service offerings are, and how the companies do in terms of range and availability of options.

Claim settlement: The all-important moment of truth is when you would actually need a claim settled. Of what use would all the advertising and hype be, if your car insurance claim is only to be rejected at the end of the day, using one pretext or the other? Claim settlement is a crucial aspect – and if your favourite organisation does not fare well in this attribute, it may not deserve to be your favourite one, after all!

Price matters: Last, but not the least, is the kind of hole that the best car insurance would burn in your pocket. You would not want to pay through your nose just because your choice seemed to be out of the world! It is as important to be grounded, as it is to seem heavenly. You cannot but acknowledge the power that pricing has when it comes to comparing car insurance companies.

It takes a composite of many factors to come to a ranking – and it takes a careful “you” to read in between the lines and choose the best!

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Qualities to Look for In A Car Insurance Service

Car Insurance ServiceAlthough there are many companies that declare that they can offer economical services. This does not mean that this specific auto insurance service will give you exactly what you prefer and what you need. Therefore, you have to take the time to discover which leading car insurance service in the state is reliable.

In practically every state, residents are mandated to get a car policy. Because of this, it would certainly be best to make the effort to research which providers offer more benefits and also top quality care and aid when you experience any auto-related accidents.

To be able say that a particular company is worth your money, you should make certain that they give roadside service and repair work as one of their option. Insurance firms that do not have this deal noted is certainly just starting or short on experience. Steer clear of the ones that do not supply access to this kind of solution. Keep in mind that in a month’s time it would certainly be feasible to comply with many car-related events due to erratic roadway circumstances.

In order for your car policy to be beneficial, you need to see to it that the auto insurance service that you have picked is willing to provide you this alternative before you even consider them to belong to top providers in the industry.

Most top ranked companies will certainly supply a fast response to towing necessities and will likewise have car rental alternatives and repair work services for the rides that have actually been covered. They have to have the ability to give this without delaying the paper work and other points of contention.

A leading car insurance service must be flexible. They must provide benefits that are consummate with the value of the premiums you pay them. They must likewise manage to provide options for the vehicle driver when the latter does not have the ability to pay for the full coverage price. The conveniences and rebates should also be stated.

The company should additionally have the ability to offer 24 hour claims assistance. They should supply discounts for plan holders and motorists that could provide clean driving records and also reward students who have good grades.

The customer service representatives must also have the ability to address FAQs and supply all the details that are important to clients. How they address your questions will certainly reveal the quality of insurance service they provide.

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