Categoría: INSURANCE COMPANIES

Get a car insurance as cheap as possible

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Get a car insurance as cheap as possible

In case you are a new driver or have years of experience, these tips will help you to reduce premiums with your insurer of cars.

Levels of risk with your insurer

Car insurance companies base their prices on the level of risk they pose to them. In order to reduce the premiums, you need to reduce your risk. A quick and easy way to do this is to modify the description of your employment in the application form. For example, change the title of “marketing assistant” by “marketing executives”, this could save you up to 10%.

Adds a driver

Another tip is to add someone with experience of driving as a driver whose name appears in the policy of your health insurer. This should reduce the fees with your insurer, always and when you have a clean record.

This is due to the fact that the insurer assumes that you are going to share the car and as such will not be on the road so frequently.

Do Without parking?

If you are planning to opt for a third party insurance, then always checks the cost of any risk, since in some cases this can be cheaper. If you can park your car in a unit or in a garage then make sure to declare it in the application form, this will dramatically reduce the premiums of your insurer, since it reduces the risk of theft and damage.

Compare car insurance online

The next step to get a cheap car insurance is to compare prices. As the price of insurance vary dramatically is a good idea to explore. It is recommended that you go to the Internet so you can compare, as you can see the prices with different insurers.

Increase your deductible

Other ways to get a car insurance cheaper is to increase your deductible. This is the amount you will have to pay if you had a claim. Can you afford to pay if you were to end up in an accident?

Located less

You can also reduce the premiums of your insurer when driving less. All insurance companies will ask for the number of kilometers that you expect to drive a year. If you drive a lot you will have to pay more. It should be noted that if you say that you drive a thousand kilometers, but in reality there are five thousand, this could void your insurance and the insurer may not pay.

Remember that each company has their own algorithms to determine the amount of the insurance premiums. Adjusts the application forms until you find a price that is right for you.

 

 

Ensures your first car Tips

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Ensures your first car Tips

Those who have little experience on the road pose the greatest risk to an insurance company. The statistics show that the new drivers are three times more likely to suffer a traffic accident that those who have experience. Because of this, the insurance companies raise their prices for the people without experience behind the wheel. And what is worse, if you are under the age of 21, you would have to wait even more.

Get a car that is cheap to ensure

So how do you ensure your first car? The first step, if you have not yet purchased your car looking for something in an insurance group under. To each model of cars on the market is assigned a group of insurance, this can vary from 1 to 50, the higher the number, the more costly it will be to ensure. A car with a small engine will be in an insurance group under, which means that they will pay less for your car insurance.

Are you sure of damage to third parties or comprehensive insurance?

If you already have a car and then consider what type of insurance you want. If you have a small budget, then searches for an insurance for third parties. This is a cheap alternative, but means that if causaras an accident, not you would be covered by the damage to your own car.

Adds a driver

Another way to reduce your insurance premium is to ensure a driver added to your policy. Added to someone with a history of clean driving to the policy and insurance costs will fall dramatically.

Go to the local shops, compare online

Finally, date a turn. There are a number of specialized companies that cater exclusively to people looking to ensure their first car. They have experience in the assurance to drivers for the first time and can offer advice and competitive rates in comparison with some largest insurers.

Also worth visiting the price comparison sites from one company to another.

Do the things within your car are insured?

This will depend entirely on the policy that serves, some insurance companies of cars can offer a coverage for theft or auto while others do not offer any protection. If you have a policy that has elements of coverage, your claim, usually, it shall only be valid if your car was stolen at the time and the keys were in your possession.

The additional coverage is often needed

Most of the auto insurance policies will allow you to make a claim against any thing originally installed by the manufacturer such as audio equipment. If you have installed the equipment of additional audio, then may well be covered but only up to a certain point. In the same way, if you stopped items such as a purse or wallet in the car, this usually is not covered by your insurance cars standard. You would have to hire an additional coverage for this type of articles.

Do additional coverage for free?

That said, some insurers added extras in their policies to attract new customers, for example the home insurance. In the same way, if you have a home insurance, reads the policy, some will cover the elements that brought out of the house which would mean that there would be no need for an additional coverage for goods deposited in your car.

During the search of car insurance not only look for the price outside, are looking for what you need. You think you have found a bargain until you realize that there is no coverage for articles left in the car, if they are stolen or damaged due to an accident.

If you have any doubt about whether you are covered, call your insurance company and asked how much you will pay exactly if your car is stolen.

 

Car insurance for students

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Car insurance for students

An insurance for cars does not have to be expensive. There are a number of ways that you can reduce your materials so that you have a lot of extra money to spend on textbooks, prepared meals and evenings.

Insurance companies come to students as a risk. Young Drivers have little experience in the roads and statistically speaking, are more likely to have an accident. However, the news is not all bad, the guide of car insurance for drivers students will show you how to make your insurance is affordable.

How safe?

First things first, you must take into account the amount of coverage you really need. In general terms, the insurance of cars to all risk is the best. You should go by a third party insurance if you have the funds to repair your car. As a general rule, third-party insurance is the most suitable for those who drive old cars with little resale value.

Higher deductibles

Another way to reduce your car insurance is to increase the limits of your excess. This is the amount that you would pay if you had to make a claim. Just bear in mind that you do not want to be in a situation in which one is left with a car defective because it cannot cover the cost of making a claim.

Increase the security of the cars low premiums

You should also consider the security of the car. If you are a student who has moved away from her home, you may find that your auto insurance premiums have increased. This is because each city in Mexico is evaluated by insurers. If you live in a city with a high crime rate and then expect that your insurance increase. The best way to avoid is to improve the security of your car with the installation of an immobilizer or a tracking device. Also when possible, park your car in a garage and not in the street, preferably.

Focus on a bonus without claims

If you have yet to create a bond of demand, this should be a priority. There are a number of companies that offer acceleration by no claims bonuses. This means that you will receive a bonus for no claims before the end of your annual policy. They usually offer this around the 10 months which means you can start saving from before.

Search and compare online

Finally, date a turn. There are a number of insurers of cars that cater to students and the market can offer great savings.

 

Cheap Car Insurance for sports cars

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Cheap Car Insurance for sports cars

If you have a high-end sports car, you will have a frustrating task to find a car insurance whose price is in line with your needs. Many insurance companies offer premiums as high as the sky, regardless of your age, while others simply refuse to secure it.

In spite of this, this does not necessarily have to be the case, with a little wisdom and with the help of the Internet, you could have very good luck. In the first place, it is a good idea to understand how to reduce your insurance premium. Join a club member.

If you are the owner of a sports car is a good idea to join a club member. Frequently, these clubs have affiliated with an insurance company that is able to offer members a discount rate. Not only that, some insurance companies, even if you are not an Affiliate, offer discounts on car insurance only because you are a member of the club of cars.

The additional security devices

Another tip is to install additional security devices for your sports car. Searches for products already approved that will reduce your insurance of cars to sports cars in a spectacular way.

Corridors with experience in sports car insurance

Now you know how to reduce your insurance premium of cars, the next stage is to find a provider. You may have difficulties to find insurance companies willing to cover a sports car, this is why it is a good idea to seek the contributions of specialized insurance brokers of sports cars. Not only will be able to offer a competitive price, but which also have experience in dealing with the top of the claims in ranges of engines.