By Evan Goldstein
Car insurance is an
added expense over and above the considerable expense of owning and maintaining
a car, particularly when you consider all the other types of insurance that are
necessary in today's world, so it is only natural to want to get cheap car
insurance without compromising on coverage. Luckily, cheap car insurance is
well with in your reach, provided you know how to get it
The Internet is the
best place to start when shopping for cheap car insurance. Insurance companies
are now geared to provide you with a quote online but you will still need to
shop around and compare quotes, and keying in your details separately for each
insurance company you want a quote from can be a hassle. The answer is to use
an insurance company that allows you to get multiple quotes online. You enter
your details online, and the insurance company will draw up individual quotes
for a number of insurance providers (sometimes as many as eight) and send them
to you all in one go. How cool is that? You will even save on your phone bill
because you won't need to use the phone to get your quotes
There are a number of
other things you can do to reduce your car insurance besides getting cheap car
insurance quotes online. You can increase your excess which will decrease your
premiums on a monthly basis but substantially increase the amount you will have
to pay out of your pocket when you claim. Accidents happen when you least
expect them so you need to be sure you can afford to pay such a high excess if
you go this route. All new cars now have to be insured before they leave the
showroom floor these days but you can limit the amount of insurance you will
have to pay by purchasing a cheap or moderately priced car. To insurance
companies, cheaper cars mean cheaper repairs which means they will have to fork
out less. The result is a lower premium for the consumer who buys a cheaper
car
Ensure that your car
is parked in a secured area like a garage or lockable car port at night, and
consider fitting additional security measures such as a gear-lock, as this can
help you get a cheaper package. Speaking of packages, it is often cheaper to
have a combined coverage package, where you insure your car, home and
possessions with one insurance company than several separate premiums with
different companies. Avoid driving a high-risk vehicle or expensive car if you
can. High-risk vehicles are the makes and models of cars that insurance
companies consider to be vulnerable to theft and hi-jacking, and your premium
will be raised accordingly. Also, expensive cars tend to be expensive to
repair, so you can expect your insurance premium to be higher than if you had a
cheaper car
As you can see, there
are a number of ways to get cheaper car insurance, but cheaper is not always
better because it can mean you aren't adequately covered. You need to be clear
on what your insurance status is and what adequate coverage costs, and then
decide how far over and above a reasonable insurance premium you want to go
with extras.Car insurance is an added expense over and above the considerable
expense of owning and maintaining a car, particularly when you consider all the
other types of insurance that are necessary in today's world, so it is only
natural to want to get cheap car insurance without compromising on coverage.
Luckily, cheap car insurance is well within your reach, provided you know how
to get it
The Internet is the
best place to start when shopping for cheap car insurance. Insurance companies
are now geared to provide you with a quote online but you will still need to
shop around and compare quotes, and keying in your details separately for each
insurance company you want a quote from can be a hassle. The answer is to use
an insurance company that allows you to get multiple quotes online. You enter
your details online, and the insurance company will draw up individual quotes
for a number of insurance providers (sometimes as many as 8) and send them to
you all in one go. How cool is that? You will even save on your phone bill
because you won't need to use the phone to get your quotes
There are a number of
other things you can do to reduce your car insurance besides getting cheap car
insurance quotes online. You can increase your excess which will decrease your
premiums on a monthly basis but substantially increase the amount you will have
to pay out of your pocket when you claim. Accidents happen when you least
expect them so you need to be sure you can afford to pay such a high excess if
you go this route. All new cars now have to be insured before they leave the
showroom floor these days but you can limit the amount of insurance you will have
to pay by purchasing a cheap or moderately priced car. To insurance companies,
cheaper cars mean cheaper repairs which means they will have to fork out less.
The result is a lower premium for the consumer who buys a cheaper car
Ensure that your car
is parked in a secured area like a garage or lockable car port at night, and
consider fitting additional security measures such as a gear-lock, as this can
help you get a cheaper package. Speaking of packages, it is often cheaper to
have a combined coverage package, where you insure your car, home and
possessions with one insurance company than several separate premiums with
different companies. Avoid driving a high-risk vehicle or expensive car if you
can. High-risk vehicles are the makes and models of cars that insurance
companies consider to be vulnerable to theft and hi-jacking, and your premium
will be raised accordingly. Also, expensive cars tend to be expensive to
repair, so you can expect your insurance premium to be higher than if you had a
cheaper car
As you can see, there
are a number of ways to get cheaper car insurance, but cheaper is not always
better because it can mean you aren't adequately covered. You need to be clear
on what your insurance status is and what adequate coverage costs, and then decide
how far over and above a reasonable insurance premium you want to go with
extras
Evan Goldstein manages
the website http://www.youinsure.co.za, a site that offers information about cheap car insurance
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