Firstly, find out how much vehicle insurance you actually need?
It is always important for drivers to be fully insured for any type of mishap that may happen whilst driving, however, depending on your location you may be required to have a certain type of vehicle insurance if you are of a certain age, driving level skill i.e. how long you have driven for, your gender and most importantly your age and the distance you travel. Are you driving long distances every day or only using your car for driving to work and back short distance? You may want to save some money by using a third-party insurance cover which covers only property damage. Are you a younger driver or a senior citizen? You may want to invest in a more comprehensive cover which will protect you from larger accidents were they to happen.
Some insurance companies will rate drivers differently according to age, gender and experience you should always have that in mind when shopping around for insurance in order to look for companies that will give you the best deal according to the consumer, you!
Now secondly, how to you go about shopping for the best deal?
Time to begin shopping! It is important to mention that with most new vehicle purchases - depending on your location - You will be required to buy full comprehensive insurance, especially if you are buying a new car, then your decision-making has just been made easier! But for those of us who couldn't afford a brand new car - not yet anyway - here are some options to look for.
Vehicle insurance companies will vary largely, depending on your driving record, the type of vehicle you would like to insure and your credit history so it's wise to do some research. It's important to do a quick Google search for vehicle insurance comparison websites and take a look, you will find there are 3 main types of insurance companies such as:
1. Direct sellers - These are insurance companies which will bypass traditional insurance brokers and sell directly to you which usually mean there's no agent to pay a commission to so the savings are passed on to you! Because of this, these sellers usually accept only the very best drivers, something to be watchful of if you have any prior driving violations.
2. Large National brands - Although their pricing may be a bit more expensive than the previously mentioned, these insurance companies are better equipped if you may have a bit of a blotchy past, they are also usually good at matching the pricing of the direct sellers.
3. Independent insurance agents - These sellers offer all kinds of insurance from different companies, good if you are trying to compare different policies from different insurers and you are finding difficulty due to perhaps a patchy record.
Remember that with whatever policy you look at, you should ask questions like, will my policy cover skip towing services as in 24 hour roadside assistance in case of a breakdown? Is glass insurance part of my comprehensive coverage and not a separate policy? Are there any special discounts you are offering to new members? Important questions that will help negotiate for a better deal.
So there you have it! Hope you find this helpful and happy motoring!
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