Archive for January, 2009


As a responsible, legal driver it happens to us all. Every year a letter arrives from your car insurer informing you of the renewal date and your car insurance premium for the coming year. In most cases, your insurer will make life really easy for you and you will be required to do absolutely nothing. Your insurer will automatically renew your policy for another year and simply debit your payment card or continue to take monthly installments from your bank.

Unfortunately, if this scenario sounds familiar and you are one of the many drivers that allows this to happen you are almost certainly going to pay a price for your apathy. The simple fact is that if you let your car insurance renewal pass by without looking for a better deal you could be paying far more than you need to.

Broadly speaking, most car insurers do not reward you for being a loyal customer. Instead, they concentrate their efforts on offering discounts to attract new customers. They then increase the premium the following year to make a profit. This is why you are likely to find that your renewal quote is more expensive than your original premium.

In today’s market place there is little excuse to not shop around for a better deal. There are a number of price comparison websites that can be used to search for an improved quote. Consider though, that a cheaper policy may not provide the same cover as your current insurer. For example, there may be a higher excess or your insurance cover may be limited. For this reason, it is essential to compare policies on a like for like basis and ensure that the policy covers you for the things that you consider important. In short, it is not a question of simply going for the cheapest.

Car security is also factor that will affect your insurance premium. Most insurers will offer a discount if you can park your car on a driveway or better still, in a garage, rather than on the road. Fitting an approved alarm, immobilizer or tracking device could also see further savings.

If you can afford to do so you should always try to pay the full amount for your premium upfront. Avoid monthly payments if you possibly can as some insurers are likely to charge between 10%-20% or even more for this service.

Finally, if you do find a new insurer offering a better deal be sure to inform your previous insurer that you wish to cancel your policy as you do not want end up paying for your car insurance twice.

Please visit for more information on motoring in the UK.

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Car Insurance Quotes – Do You Pay too Much For Car Insurance?

Having a car can be a very pleasurable experience, as it will allow you to travel from one place to another with comfort. It can really ease the pressure from going to work as you can travel with your car every day. However, one thing that you need to watch out for is car theft and car accidents. No matter how careful a driver that you may be, you can always be involved in a car accident or a car mishap.

An accident can occur due to variety of reasons. It can happen due to reduced visibility conditions such as night time driving or it can even happen due to faulty road conditions and even bad weather conditions. Or you might be very careful, but the other driver may be very careless. Hence, an accident can always occur. Or sometimes your car may be stolen even in the best of conditions. You can park your car at night and by morning you can see that it has gone due to car theft.

In order to accommodate for all the risks mentioned above, it is important for you to get a car insurance in order to protect yourself against the risks. However, when you receive car insurance quotes, you may be surprised at the amount of different quotes that you may receive. Of course, there are some criteria that you can influence, so that you can get a cheaper car insurance quote.

First of all, it is important for you to show the insurance company that you are less of a risk by demonstrating your good will and your capacity. Many factors can influence this condition. Statistically, insurance companies have gained some results that show them which factors can be of a less risk. These factors include your age, your marital status, your occupation, your income level, your past credit history as well as the age and the make of your car. Sometimes, even the neighborhood that you live in can become an important factor.

Hence, if you are married and if you are above the age of 25, then chances are that you will be able to get a cheap auto insurance quote. In addition, if you live in a relatively safe neighborhood and if your car is an economic vehicle, then you will be able to get excellent results in your search for a cheap auto insurance. Of course, you can also add additional safety features such as an immobilizer or an alarm to your car in order to get even more reduced rates.

Another factor that you can control to get a reduced car insurance cost is the mileage factor. In principle, if you are going to do less than ten thousand (10,000) miles per year; then you should be able to get more favorable rates on your auto insurance. In order to calculate your auto insurance, you should multiply your daily commute mileage to work by two, then you should multiply it by 365 to get your figure. Then you need to add 4000 miles to it to get your annual estimate for your mileage. Thus, by using all of these factors, you will be able to get cheap car insurance quotes.

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Category : Auto Insurance Tips | Blog

When cars are stolen and not recovered or written off, motor insurance policies usually pay out only the approximate value of the car, rather than its list price at that point in time. This applies even if the incident occurs fairly soon after you buy a new car. The reason for this is depreciation; new cars depreciate extremely quickly, sometimes losing anything up to 50 per cent of their value during the first two years they are owned.

If you’ve just bought a new car, it is likely that the dealer will want to sell you gap insurance to cover the difference between what it cost and what your insurer company would pay out if the car was stolen or written off. continue

Category : Auto Insurance Tips | Blog

High Performance Car Insurance – Ferraris, Mustangs, and More

If you have a high performance or a high quality car, then it is important for you to recognize the fact that insurance premiums for these vehicles will be higher than regular cars. Of course, there are many reasons for this situation. First of all, statistical analysis shows that people who own high performance cars and high quality cars are more likely to take an insurance claim and claim damages for their cars. This is a very common situation as owners of these cars are more sensitive to damage to their vehicles and thus they are quicker to ask for a claim.

A second reason, these high performance cars are more expensive to replace. Hence, when they are involved in an accident, these cars are more likely to get damaged more profusely. Even with light inconsequential accidents, the bodies of these cars may be damaged and as a result even a light fender bender accident will have a serious invoice to go along with it. Furthermore, these high performance and high quality cars are more easily stolen and they are more likely to be involved in some case of car theft. Hence, as you can see from the reasons above, these high performance cars are more likely to have problems and thus they are more likely to end up with higher insurance claims. This causes the auto insurance premiums to go up higher, so that these insurance policies become more expensive.

However, you are not without options, as you can easily find cheaper high performance car insurance policies. But, you need to make sure to fulfill some criteria in order to qualify for cheaper car insurance policies.

– The most important criteria in the insurance policies for high performance cars is the risk for theft. It is plausible for these cars to be stolen; thus by taking extra protective measures you will be able to lower your vehicle insurance premiums. These measures will include having a protective garage around your car and also having high protection sensitive alarms installed in your car. All of these will help to lower your insurance premiums.

– If possible, install a tracking device and G P S to your high end car, as this will allow you to get lower insurance premiums since your car will be considered in a lower risk category.

– Make sure to have an impeccable driving record, as this can also put you in a lower risk category.

– If you are able to show a lesser mileage for your high performance car, then it is easier to get a lower price of insurance, as it can show to the insurance company that you are not using your car unnecessarily.

– Make sure to shop around the Internet to see various prices concerning your car. By getting alternative quotes from different insurance companies, you will be able to get different prices so that you can compare different quotes to get the best possible price.

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Exotic Sports Car Insurance

Although all sports cars are exotic, many consider cars such as Jaguars and Ferraris to be truly exotic. They are considerably expensive and the insurance too can be very high compared to other cars.

Exotic sports cars will have to be insured to a higher amount because of their higher value in the market and different usage options. A few factors such as make of the car and certain elemental natural forces that might prove to be a risk to the car are considered before an insurance agent provides a quote.

An exotic sports car naturally has a higher cost of insurance policy compared to a standard vehicle. Sports cars are usually for pleasure driving and are normally driven faster and are more prone to more dangerous and harmful accidents than others. Also, they are highly priced in the market than the other utility vehicles.

Some companies take insurance for a sports car as a specialized field in insurance. Such companies tend to deal with the insurance of sports cars and exotic cars and are liable to provide lesser insurance policies than the other insurance agents who deal with insurance policies for all vehicles. The companies that deal uniquely with exotic sports car insurance have brokers specialized in this field. They would are able to guide the customer in all the areas pertaining to the cars that needs to be considered for insurance.

These specialized companies take into account the age of the driver, the driver’s driving records, and accident history before offering a quotation. Some insurance agents also consider the annual mileage coverage during the negotiations.

Sports Car Insurance provides detailed information about sports car insurance, exotic sports car insurance and more. Sports Car Insurance is affiliated with California Business Auto Insurance.

Category : Auto Insurance Tips | Blog