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Many have serious reservations, their car insurance and, when the time comes for their auto insurance to be refurbished, they simply renew it with current insurer her. If you shop around not about car insurance, then you will end up paying more than you need to and if you do not check the small print of your policy, you can not actually be insured at all. So, if you do not give a second thought to motor vehicle insurance, check out these facts and tips about car insurance that might surprise you.
1. Pay the premium in one
It may be convenient to pay car insurance in twelve monthly payments, but it will always be much more expensive than paying the whole amount up-front. Most insurers added an exorbitant price for distributing payments. It could cost you as much as 30% more.
2. Do not overdo excess
A lot of people get caught out by accepting the insurance excess beyond what they can actually afford to pay. Yes, high excess will reduce your car insurance premiums, but do not forget that if you have an accident, you are going to need to find the money for repairs.
3. Tell the truth to your insurer
Be honest about what you use your car, where you park it, and who is going to run it. If you say that your car locked in a garage overnight, and it is stolen from the street outside the home, you may be in for a nasty surprise when you make a claim.
4. Check how comprehensive fully comprehensive cover phone actually
The word “fully” fully comprehensive can mean different things to different insurers, especially if you opt for cheapest policy you might find. Usually, cheaper car insurance will not include courtesy car, windscreen cover, or legal cover, so it is worth checking the policy to see exactly what you are getting for your money.
5. Do not make a claim unless you really
If you have a minor accident, it is very often cheaper to pay for the repairs yourself but to require that the insurance your. You should tell the company about the accident, because it is often the policy requirement, and he may well lead to increased premiums and excess.
6. premiums may still rise, even if you have protected no claims bonus
If you have an accident, your premiums could still rise, even if you have protected no claims bonus. bonus rate may well be intact, but the underlying insurance costs will increase and it will have to pay more.
7. Always take photos if you have accident
If you have an accident, however slight damage may seem, always take photographs of both the vehicle and other sources. Unfortunately, there are a lot of dishonest people will exaggerate their claims to their insurance company and lying about the circumstances of an accident. If you can, get information about the witnesses also.
8. Do not just automatically refresh, shop of the first
Insurance companies offer the best deals to their new customers, so it is always worth shopping around for insurance car. You can get a broker to do for you, or look Price comparison site, but always get some quotes before you decide.
9. Always notify your company about changes in case
Do not forget to notify the company of your change in circumstances, or you could invalidate your insurance. It involves moving home, changing jobs, any changes you make on the vehicle and even if you have started to drive to work.
10. Do not rely solely on comparison websites for the best deal
not forget that not all insurance companies allow their information to be displayed on the price comparison websites. To make these companies to compete, they often offer better deals than you will find on your comparison.
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Source by Neil Savin