Tuesday, March 18, 2008

Bisnis Portal

Bisnis Portal

Low cost car insurance is available

Posted: 17 Mar 2008 05:58 AM CDT

If you want low cost car insurance then shopping online with a specialist broker is the place to go to get it. There are brokers who can shop around on your behalf and find you the best possible quotes. A broker is able to search the motor insurance market place and find among the cheapest premiums based on the circumstances of the individual.

Car insurance premiums do vary from provider to provider and they also vary on the individuals circumstances too. This means that shopping around and getting several quotes is a necessity when getting the best deal and this is where a broker can help. Doing it yourself takes an enormous amount of time, an individual also does not have access to the same lenders a broker does.
While the broker can find low cost car insurance on your behalf you do have to play a part in it. The broker will need to know your circumstances such as the type of car you want to insure, your age, gender and the type of cover you want.

Installing such features as security devices can also shave a little off the cost of your cover. Such features include steering locks, immobilisers, tracking devices or having the windows etched. Where you park your car is also taken into account. Parking it on the road will not be seen as safe as if you had parked it in a garage. Even the colour of the car can make a difference to the cost. Those who choose red for example are seen as being more of a risk than those who choose a brown car.

The named drivers on the insurance will also affect the premiums, with a named spouse attracting a discount while a younger driver pushes the price up.

Whichever type of insurance and whatever your circumstances a broker can help you to make huge savings. Insurance companies will offer special deals for those who fall into certain brackets for instance women drivers, younger drivers or older drivers. Younger drivers have been known to be at the high end of the insurance bracket as they have the least experience. Having a no claims bonus goes a long way to saving money on your insurance and a young driver does not have the experience. A younger driver can take advanced driving lessons to boost their record and make savings on their insurance.

One of the biggest factors you have to remember when getting low cost car insurance is to read the terms and conditions of the policy. This is where you can find any additional costs that come with the quote and also what is and is not covered in the policy. Comparing policies of a similar cost is essential because one policy could feature something which the other does not. Some policies for example include basic breakdown cover or handbag theft so it worthwhile not only comparing the costs but also the terms and conditions.
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