Thursday, January 4, 2007

How to find cheap auto insurance - guidlines and tips

If you are a resident of the United Kingdom and drive a car, then you certainly have to buy auto insurance policy, because no one is allowed to drive a car in Britain without having his car insured. For someone auto insurance might seem an awesome burden, and they hate paying money for it having no other choice. However, there are some ways to reduce car insurance costs and some of us really need to know about these insurance tricks.

Before going further we have to mention that cheapest car insurance is not the best car insurance. You should always bear in mind it. When selecting an insurer, try to find out more about the company, its history and credentials. Ask your friends and relatives about it, may be they can suggest you something you are not aware of. Make a thorough research, which most likely will take several days to complete.

But where are you supposed to get started with the research? The bets place to look in is the Internet. There plenty of web sites out there offering car insurance quotes online. It may take you a day or two to understand what is going on and how to deal with the whole information offered through the web, but it is worth of spending your time, because it’s going to pay off. Do not focus on a single insurance company, search for several insurers to compare their quotes.

But your research won’t be comprehensive, if you limit its area only with the Internet. Get your local phone directory and call to insurance brokers. They will assist you in a great deal. Insurance brokers will make their own research and suggest you several options to choose from. At least, they are professionals and their advice can be definitely of some use to you.

Now, let’s look through some of the factors influencing on the price of your car insurance policy.

Gender and age – these are the factors you cannot influence much on, but should be aware of their role. If you are a male driver under the age of 25, then you should forget about cheap insurance, because you belong to the most risky category of drivers. On the other hand, female drivers are considered to be the most careful drivers and they pay fewer premiums then men. It should be mentioned that the difference between premium levels for men and women gradually melts down as the age of car drivers increases. For example, 50-year-old men drivers pay almost the same level premiums as the female drivers of the same age.

Now, there are some factors you can manipulate in some extent to reduce your car insurance premiums. For instance, if you own an old car that is worth of $1000 and you’ve got to pay half of this amount for full coverage as you did many years ago, then consider to give up paying for comprehensive coverage.

Another way to reduce car insurance costs is to combine different types of coverage, like homeowners and auto insurance. You can also include a family member in your policy, so you’ll get insurance for two persons save money. If you own several vehicles, most of insurers will also offer you a discount.

Auto insurance companies offer cheaper insurance rates for the vehicles that are less risky to be stolen. If you install an anti-theft device on your car, insurance companies would most likely consider your car less risky to be stolen and you can expect to get a reduced auto insurance rate.

These are some, but not the all ways to reduce your car insurance premiums. Before buying insurance policy learn as much as you can about car insurance offers on the market. There are always discounts out there and you can change your insurer every year to get the best deal.

If you wish to get more information about auto insurance, please visit Sheilas’ Wheels Insurance.