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Cheap Car Insurance for First Time Drivers | With the rising costs of fuel and just about every other good or service we purchase, many of us are looking for cheap car insurance. When it comes to cheap car insurance most of us are clueless as to how to go about getting a low cost car insurance policy. There are many factors that influence your car insurance costs drastically.
For example, did you know that the type of car you drive will influence the cheap car insurance you're looking for? Or did you know that using anti theft devices will help reduce your over all car insurance costs? A good driving record will allow you to get cheap car insurance?
The deductible is the amount you pay first out of any claim for an accident. The car insurance policy's cost is directly related to your deductible. A lot of people, especially those with a good driving record, who have had their insurance policy for a long time, have never considered varying their deductible. If you have a clean driving record and are prepared for the risk of paying a larger amount in the event of a claim you can save money by increasing your deductible.
Many times you can get cheap car insurance by combining policies with you existing insurance company. For example if you have a home owners insurance policy contact them and ask for discounts for switching your car insurance to them. If you don't own a home perhaps you have renters insurance or life insurance, contact these companies about the savings you could get by switching your car insurance over to them. Most insurance companies are very accommodating to these requests.
It also pays to shop online for your cheap car insurance; many of the big companies offer a comparison of their coverage versus other companies. As you are requesting cheap car insurance quote online be sure to be completely truthful in answering the questionnaire. Additionally, you should know when you get your online quote you will need to follow up with actual paper work.
Whatever your motivation, with a little work you too can find the cheap car insurance you're looking for.
Cheap car insurance for new drivers
Yes! It is possible to get cheap insurance. The best way to find low cost insurance is to get insurance quotes from several different companies and then you can see what the cheapest rate is. Here is a list of some things that contribute to the cost of your insurance.
The first factor would be the area in which you reside. Insurers look at your neighbouring area. If your area has many accidents it will affect and increase your premium rate. Most of the time, you will find more fender benders in inner city area. In rural areas you might find more severe accidents. The reason for this would be because of the higher speeds on the open highway.
The second factor would be the type of car you own. If you have an older vehicle with some damage your insurance will obviously be cheaper. Owning an expensive sports car will surely increase your insurance rate.
The third factor would be young driver discounts. Some companies offer discounts for good students with a 3.0 grade point average as well as drivers training discount. If you put the two together the discount can be quite significant.
The fourth would have to be matured driver and retired discounts. Some companies can offer retirement discounts and mature driver discounts to lower the rates for senior citizens.
These were just a few things that can contribute to your insurance rate. Be sure to ask about any discounts when shopping for your car insurance. Think about where you live, your vehicle and how you arrange your coverage. If you do a little more research and educate yourself it will help you get the insurance that is right for you, and an insurance that will save you more money. So go out inform yourself and save money on your car insurance!
Cheap car insurance compare quotes online
Buy from the internet.Most companies offer a discount for online applications as this is automated process and costs them a lot less to process your application, you can usually see discounts of 5%-10%.Click here to get a instant online insurance quote
Shop around.All insurance companies use different formulas to calculate your insurance premium by adding or detracting money after each question the ask you.By shopping around you could find big savings on your insurance premium.
Lower your annual mileage.Lowering your annual mileage can reduce your premium,most insurance companies will quote you for around 12,000 miles a year.Try and work out how many mile's you will do if it's likely to be less you may get a discount.Be honest about this as your insurance company may ask to see old MOT'S and service history to verify your mileage in the event of a accident.
Buy extra products.Most insurance companies also do other insurance products ie"Building's and content's insurance".Most insurance companies will give extra discounts for purchasing more than one product,by doing this you could save a fair amount on all your insurance premiums.
Don't inflate the value of your car.Adding extra value to your car when you apply for your insurance quote will do nothing for you apart from increase you premium.In the event your car is stolen or written off you will only be paid the market value of your car at the time of your accident.
Build up your no-claims discountOne of the biggest factors affecting your car insurance premium is the number of years no-claim's discount.You could receive up to 75% discount for around 5 years of no claims.The more years you can stay claim free the safer driver your insurance company will see you as.
Protect your no-claims discount.Although this will increase your insurance premium if you have a lot of years of no-claims you may want to protect this as a small claim may increase your premium by up to 75%.
Look after your credit rating.Insurance companies are now looking at your credit score as part of the calculation for your insurance premium.Maintaining a good credit rating could avoid unnecessary additions to your premium.
Pay your insurance premium in one go.By paying your insurance premium in full you can avoid paying costly interest charges that would be added if you paid your insurance premium by instalments.Some insurance companies may charge as much as 15% APR on instalments.You may even receive a discount for paying in full.If you can not afford to pay in full check out what rate a small loan would be you may still save some money.Fill out a online loan application.
Put your spouse as a named driver.Some insurance companies offer discounts when you add a spouse as a named driver as opposed to unmarried couples,they see marriage as a sign of stability and associate stability with safe driving and there for give you a discount.
Take pass plus.If you are a new driver consider taking your pass plus.some insurance companies could give you as much as a 25% discount and when you have just passed your test and have no no-claims this could make a considerable saving.
Increase your voluntary excess.Your excess is the amount paid by you in the event of a claim,by increasing this your insurance company should reduce your premium.
Remove any unnecessary drivers.If you have a young driver on your insurance policy that no longer use's the vehicle you should remove them as this will reduce your premium.
Have a Alarm,Immobiliser or Tracker fitted.Theft of and from your vehicle play a major role in the calculation of your insurance premium.Having a alarm or immobiliser fitted will give you a small discount to your premium and having a tracker fitted could make you quite a saving.
Take the advanced driving test.Passing your advanced driving test will show your insurance company that you have extra skill when driving and are less likely to be involved in a accident.
Insure your car Third Party Only.Third party only is the minimum cover you are required to have by law it's also the cheapest.If your vehicle is of a low value then you could consider this type of cover.You need to remember that with this type of cover if you was to have a accident that any damage to your vehicle would not be covered for repair.
Keep a clean licenceInsurance companies take driving convictions very seriously and can dramatically increase your car insurance premium,by maintaining a clean licence proves to the insurance you are a safe and careful driver.
Young driver's add a older driver.Some insurance companies will reduce young drivers premiums if they have a older named driver on the insurance.
Buy a lower insurance group car.A very important factor to your insurance premium is what car you drive.Most insurance companies adopt the Association Of British Insurance Group Rating.This rates vehicle's from 1 - 20 generally speaking the higher the group the higher the premium.By buying a car with a lower group rating can lower your premium especially for young or inexperienced drivers.
club.If your vehicle is a classic or specialist consider joining a club related to your car most clubs offer insurance schemes which have very good premium rates.
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Car insurance is compulsory, but it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car insurance rates really can save you serious money at renewal time.
Cut the Risk and Cut the Cost
The easiest way to cut your car insurance premiums is to cut the risk and accept a higher voluntary excess. An insurer's standard excess may be £100 but if you meet the first £250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft or a bill for repairing bodywork damage after a car park crunch.
Shop Around and Save Even More
The biggest car insurance savings come from shopping around. There can be massive differences between the lowest and highest car insurance quotes for exactly the same car and driver(s). Start off using good comparitive online quotation sites, take their best quotes and go direct to the cheapest car insurance company for more specific quotes.
Named Drivers Trick
Adding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. Adding a young driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is female!
Annual Mileage, Less Means More in Your Pocket
If your annual mileage is, 5,000 miles or less, ask insurers if they offer discounts for agreed mileage restrictions.
Security Means Savings
Fitting security devices can also result in cheap car insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security. It saves you money when your insurance renewal is due and gives you extra peace of mind.
So next time your renewal quote arrives, don't just accept it and give your money away to the insurance company. Use the steps above and get the right cover at the right price.
How to Get Cheap Car Insurance
When it comes to getting cheap insurance rates, one of the most important tools you have is information. You need to be knowledgeable about the steps you can take to help ensure that you are eligible for the lowest cheap car insurance rates possible. In addition, you need to know how to locate the companies that offer cheap car insurance and compare available rates.
Naturally, the most obvious is to be careful in your driving, avoiding accidents and traffic tickets. Perhaps not so obvious is to avoid making insurance claims if possible. Sometimes, it is cheaper to just pay for less expensive damage than it is to make a claim, when you factor in how that claim will affect your insurance rates in the future.
Everybody wants cheap car insurance, but, alas, the rates are up to the insurer. There are many variables that insurers use in determining your rate, some of which you have influence over and some that you don’t. Age, for example, is one cheap car insurance factor that you’ll just have to wait out. However, young or old, you can do things to make you more eligible for the better cheap car insurance rates.
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Other ways to make yourself more likely to receive cheap car insurance rates include use of devices that help to prevent vehicle theft and to recover it if it is stolen, where you live, as areas with a higher crime rate often result in slightly higher rate quotes, and your choice of car. A more conservative vehicle is more likely to have cheap car insurance than is a sports car.
Also important to getting cheap car insurance is knowing where to look. With the advent of the Internet, you have the opportunity to get quotes and compare prices all over the nation. Using that opportunity can greatly increase your chances of finding the cheap car insurance rates you want.
Information is a valuable tool in getting cheap car insurance. The successful consumer knows where to find cheap car insurance and know what variables can affect rates, adjusting what can be fixed and waiting out the rest. Collecting the right information and acting upon it can help you, too, to enjoy cheap car insurance.
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What To look For In Travel Insurance
What should I check in my policy before I buy travel insurance? As with
any insurance product, before you buy travel insurance check all the
terms, conditions, exclusions and inclusions. Travelling without the
right cover can leave you seriously out of pocket.
Remember to check your excesses too. High excesses may result in a
cheaper travel insurance policy but should only be considered if you can
afford to front a large portion of the costs of any claim yourself.
What's Typically Covered under a Travel Insurance Policy
Every travel insurance policy covers different things but all would offer a varying degree of cover on five main points:
trip cancellation and interruption
medical travel insurance
Most cover includes some but not all of those points.
What’s generally not Covered under a Travel Insurance Policy
Apart from any pre-existing medical conditions, other common exclusions could include loss or injury suffered due to:
The influence of alcohol or drugs
Acting intentionally or recklessly
Belongings being unattended in a public place
Undertaking ‘adventure activities’ such as mountaineering, motor biking or off-piste skiing
Competing in professional sports.
Travel Insurance Medical cover
Medical cover is probably the most important aspect of your travel
insurance. A study indicated that up to 22 – 64% of travellers fall ill
while travelling with up to 8% requiring hospitalisation.
You would need to understand what conditions are covered and what the
limits are on your medical expenses. These are all important questions
that you should ask when you are trying to understand the medical
coverage feature of your travel insurance.
Unforeseen illnesses, injuries or accidents will be covered under the
medical section of your travel insurance policy. This covers the cost of
receiving treatment overseas – including dental emergencies in most
cases – and repatriation, the cost of having to fly you back to the your
On a slightly more morbid note, most travel insurance policies cover
cremation costs or the repatriation of a body should you or someone else
covered under the policy die during your holiday.
Travel insurance policies also cover cancellation if you can no longer
go on your holiday or you need to come back early. However, there needs
to be a valid reason for you to abandon your trip.
Being made redundant, having to do jury service, or having to take care
of a seriously ill family member are among the list of valid reasons.
Baggage and Personal Belongings
Your travel insurance policy will also cover you if your stuff is lost,
stolen or damaged while you are on holiday. Almost everything you take
overseas, including computers, phones, cameras and expensive clothing is
included. Many travel insurance providers will also cover you for the
loss of a passport, cash or a driving licence.
However, travel insurance policies can vary greatly both in the amount
covered and in the excess – the amount you have to pay towards the claim
yourself. For example, items such as cash or expensive goods can be
subject to an additional higher excess.
Personal liability protects others and their property from accidents you
may cause while on holiday. For example, the personal liability element
of your travel insurance would cover you if, during a skiing trip, you
crashed into another skier and injured them. Insurers will typically
cover you for up to £2m, which is generally more than enough.
Travel schedules are often the victim of adverse weather, so delay cover
is one of the more important aspects of travel insurance. Most travel
insurance policies cover against more than just storms, with many
including events such as industrial action and mechanical breakdown.
If your flight's been delayed for more than three hours or it's been
cancelled you may be able to claim compensation of up to £470 directly
from the airline but the reason for the delay or cancellation must be
the airline's fault, so bad weather for example, won't count.sn't apply you can also try making a
claim on your travel insurance policy. Insurers typically pay out for
each 12-hour period you've been delayed, but the payouts are often tiny
compared to what you can get from your airline.
What is typically left out of travel insurance cover?
Like all insurance policies, there are a number of things that travel
insurance providers will not pay out for. Here are the most common:
You may be on holiday to unwind but if you are badly injured while you
are more than just a little tipsy, your insurer is likely to reject your
claim. The same goes for drugs. Insurers have different classifications
of 'drunk', with some using blood alcohol limits, so check your travel
insurance policy carefully before you buy.
Insurers will often cover you if you have pre-existing medical
conditions, but if you fail to tell your insurer and then need treatment
for that condition, or a related condition, you won't be covered. You
may also struggle to get a claim paid if you ignore advised medication
or jabs needed to enter a country.
If you are going on an adventure holiday, or you are planning to take a
winter sports break, you must get extra insurance cover or a insurance
specialist policy. Taking to the Alps for a spot of snowboarding with
just a basic travel insurance policy in your bag is a risk not worth
taking. If you get injured you could end up paying £10,000s in medical
Refused entry to visiting country
No one wants their holiday to end before it begins, but most standard
travel insurance policies won't cover this type of scenario. Insurance
policies have a list of scenarios they do cover (eg, theft, medical
To mitigate against problems, as it's your responsibility to check your
travel documents are valid and you meet the entry requirements, always
check the Foreign and Commonwealth Office website for the entry rules of
the countries you're visiting well before travelling and give yourself
plenty of time to get your paperwork in order.
Travel insurance will cover your personal possessions when you are
abroad but it doesn't mean you can be gung ho with your stuff. If you
leave your items unattended and they are then stolen, your insurer will
not pay for their replacement.
Travel to dangerous countries
The Foreign and Commonwealth Office (FCO) outlines which countries are
unsafe for travel. If you travel to a country on the FCO's list your
cover is likely to be invalid. Check out the FCO's current travel advice
How to claim on your travel Insurance cover
Claiming on your travel insurance shouldn't be daunting and – if you
understand the terms and excesses on your policy – you shouldn't be in
for any nasty shocks.
Five steps to claim on your travel insurance cover.
1. Submit your claim as soon as possible
Contact your insurer as soon as you can. Some parts of your travel
insurance policy may have a short window to submit a claim and it may
take a while to be processed. 2. If it's a medical claim get an insurer to accept it first
If you need to make a medical claim – and it is not an emergency – get
an travel insurer to accept the claim over the phone first. For example,
thieves make off with medicine kept in a handbag that you need
urgently. If the travel insurer accepts the claim over the phone, you're
less likely to be faced with a rejected claim later down the line. For
obvious reasons, don't delay treatment if it is an emergency. 3. If it's a theft or loss claim notify the police
If something goes missing or is stolen when you are abroad you may need
to get a crime reference number or the overseas equivalent to make a
successful travel insurance claim. Report the incident to the police as
soon as you can – you often have to do it within 24 hours to be able to
claim – to make sure your travel insurance claim doesn't hit the skids. 4. Keep your receipts
If you are claiming for lost luggage or delay, remember to keep receipts
of essential items you have bought in the interim, such as food and
drink. Many travel insurers allow you to add these expenses to a claim
and may ask for receipts as proof. 5. Complain if you feel your claim was unfairly rejected
If your travel insurance company rejects your claim, and you think it
has done so wrongly, do not take it lying down. Complain to the free
Financial Ombudsman. It's an independent adjudicator which will make the
final decision on a claim if you are locked in a dispute with your
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