Tips of car insurance


Tips of car insurance

Whether you are a new driver or a veteran experienced, you will be difficult to find cheap cars, it can be difficult. In recent times, the auto insurance premiums have skyrocketed and it is possible that will surprise you quite when it comes to the renewal of car insurance that you have to do. Then how can I get a cheap car insurance?

Car Insurance Group

If you are a rookie driver, forget the two-seater sports car. Have a safe cars of low cost will reduce your insurance premiums for cars. It is a good idea to avoid leakages double, tinted windows and optional alloy rims, since all these “extras” raise your car insurance.

Get an insurance of specialist

If you already have a car, your next plan should be the most appropriate. A good tip is to look for companies of car insurance to suit your personal circumstances. Did you know that drivers women can get a car insurance cheaper? If you are a young driver or new and desperately looking for a car insurance affordable you have to get quotes that serve the market specialized younger. They have experience ensuring drivers with little experience and often offer competitive quotations.

Penalty points

What happens if I penalty point or crimes of traffic? No issues. Despite what you may have heard, you can still find cheap car insurance, even if you have licenses with points. There is a large number of insurers of cars that cater to drivers who have been disqualified or have points.

Regardless of whether you are a man or a woman, your situation or your age, is an excellent idea to give you a return before starting with your hard-earned money. Do not accept the quote of car insurance given.


Ensures your first car Tips


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


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.


What to do when an accident happens cars?

insurance car accident

When there is a traffic accident, you can be traumado and if you lesionas, do not leave the car. However, if you are not injured, stand in a safe place and salt of the car with care. There are a few steps you must follow in the scene of the accident, to make your claim of  car insurance. This will ensure that you have the complete documentation on the accident to later.

Instead. In the event that the other driver get all the information about you (name, address, telephone number, driving license) and the information of your insurance (name of the insurance company and policy number). Note the make and model of car, the color, the license plate number and the identification number of the Auto if you have. If you have a cell phone with a camera and take pictures of another car with license plate and all damages.

Takes pictures of your own car, also. In the event of that go to the police, get the name of the officer and the information of your fault. The other driver may have been partly responsible, too.

At 24 hours, if possible, you must report the accident to your insurance company for cars, the insurer for chariots of the driver or both things. The person who will receive all of the information in it about your accident, determines whether there is coverage in your policy (if this is your insurer of cars) or policy of the other driver meets the data, do research to determine where he was at fault, decides on the value of your claim and if you have never gone through this before, there are some important things you need to know.

Whether it is your insurance adjuster or of adjuster another driver, many of the questions asked and the documents requested are the same. They want to know what happened, the people and the cars involved, which was damaged and if someone was injured. Want photos taken of your car and an estimate of damages, a copy of the police report, if there is one, and contact details of any witness. Some of the questions that the adjusters of the insurance company going to do are:

State of what happened with the accident. What happened? Who was driving? How many passengers had in the car? Names/contact information/ages do was a police officer to the scene? Do the officer prepared a report? What auto was involved? The make, model, year, the color, the registered owner does were cars damaged? What parts? Do the cars were manageable? Was anyone injured? Does anyone needed an ambulance? Do the witnesses? Get your contact information. Does the other party is safe? Get the name of the insurance company of cars and their contact information.

If you are talking with the insurer of the other driver, your job is to keep your claim as small as possible. Why? If the insured took the blame for the accident, you can be responsible for paying not only for your medical expenses and the damage to your car, but also your lost wages, other expenses you have incurred or incurrirás in the future and the general damages that include pain and suffering.