How To Compare Car Insurance Quotes PDF Print E-mail
Written by John Bellafonte   
Monday, 31 May 2010 09:38
Find out all you need to know about insurance before considering the purchase of a new car. Many dealers will not allow you to drive the car of the floor before you have insured it. To get the best policy, you will need to compare car insurance quotes. However, it is not as simple as that. There are many factors to consider that will influence your vehicle policy.
by JohnBellafonte


Find out all you need to know about insurance before considering the purchase of a new car. Many dealers will not allow you to drive the car of the floor before you have insured it. To get the best policy, you will need to compare car insurance quotes. However, it is not as simple as that. There are many factors to consider that will influence your vehicle policy.

Certain insurance companies will not insure a fast car for a driver younger than twenty-five years of age. Younger drivers are considered more risky drivers and the added risk of a fast car results in a high premium, or altogether rejection.

New cars today generally come fitted with all the prescribed security features. Chat to your broker or agent to see if any other security measures will further reduce your premium. Not only will this give you peace of mind it will save you a lot of money in the long run by the savings on your premium each month.

Why and how you use your car concerns the insurance companies. If you just drive to work and back for commuting purposes then this is deemed as private use. Transporting goods or using the car to procure business from prospective clients is deemed as business use and the premium will be higher in the latter scenario.

If someone else uses your car, his or her name should be added as an alternate driver. If you do not do this and there is an accident, insurance claims may not be paid out. This is particularly important when you have a teenager driving your car. You can allow them to practice on your car without damaging your no claims bonus for a couple of Rands a day extra.

Any special features of your car such as mag wheels, tinted windows, tow bars and the like should be specified on the policy document. Failing to do this could result in non payment of your claim.

Roadside assistance can be a handy extra on your policy if you drive long distances. This will usually be a slight addition to the cost of your basic policy. Should you have a breakdown you have peace of mind that your car will get to a repair center with minimum fuss. Medical evacuation is another nice add to have.

Lodging your claim within three months is one way to ensure you are paid out. Most insurers will repudiate your claim if you lodge late. Inquire directly from the company or check your policy document for these very important details.

When shopping for car insurance, look at the rates. Compare the different fees such as premiums and excesses and see how you can turn it to your benefit. An example would be paying a slightly higher premium in order to pay lower excess. Another way to save on your rates is to pay your insurance annually instead of monthly.

There is no way around getting a good deal. You will have to compare car insurance quotes in order to find a policy that best suits your needs. Premium, excesses and exclusions are all important factors to consider when buying insurance.

DISCLAIMER: This article is provided as information only and is not to be taken as financial advice.

If you wish to compare car insurance at once or if you are searching for more useful resources about car insurance quotes just visit this website: www.InsuranceQuotes.info This and other unique content 'insurance' articles are available with free reprint rights.