Cheap Car Insurance

Friday, December 4, 2009

Cheap Car Insurance For Young Drivers - 5 Tips

Young drivers rarely get cheap car insurance because most of them don't know how. Here are 5 tips that will help you lower your car insurance immediately by at least a couple dollars... or more.

1. Get good grades in school: That's right, you don't need to get A's but if you at least get B's, some insurance companies will give you cheap car insurance for young drivers. To them, smart people are less likely to get into accidents and let's be honest, it's not too far from the truth.

2. Buy online: Companies will charge less if you buy online, that's fact. When you buy online, you don't take as much of their time and they don't need to pay an agent to help you. Both you and the company win when you buy online. They cut their expenses and you end up with cheap car insurance.

3. Don't drive so much: The more you drive, the higher the risk of getting into an accident. The insurance companies don't like that. Be very specific about the mileage you drive during the year and you'll end up with more money in your pockets.

4. Buy an older car or a cheaper one: You're young and you have dozens of years in front of you, start with a basic car before upgrading to the expensive ones. Expensive cars always cost more to cover than used and inexpensive cars.

5. Pay your bills: Paying your bills proves your responsibility and in the end, driving is all about being responsible. Insurance companies tend to give cheap car insurance to young drivers who pay their bills.

Now get your pen and paper and start calling. Be clear with your car insurance on these 5 points and I'm pretty sure you can deal with them and save a couple dollars here and there.

If you're looking for more information on very very cheap car insurance, Francis Bastille has a lot more information to give you on his website. Young drivers [] need our help when dealing with car insurance and this is why a whole section of the site is dedicated to YOU.

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Tuesday, December 1, 2009

Where To Find Cheap Car Insurance

When it comes to finding cheap car insurance you can do no better than looking online, simply by using your computer and internet connection you are able to browse through and compare quotes from many different sources.

So if you are asking yourself the question “where to find cheap car insurance” then you have no further to go than your own home. The best way to make a start is to do a search using one of the popular search sites, in just a few minutes you will be presented with many insurers to choose from, from here you simply have to answer a few questions and receive an almost instant quote.

Of course you will have to do a little work yourself; there are certain things that you will have to consider before buying your insurance online. One is the type of insurance that you require, if your car is a second hand one of age, then taking third party might be your best choice. However if you have bought a brand new car from the showroom then you will probably want to make sure you have it covered for almost all possibilities and take out fully comprehensive.

Of course while you can make the best savings by shopping online for your car insurance there are many things you can do yourself to keep them down as low as possible. There are certain factors that will boost up your premium such as the area in which you live and while you can’t change this, you can do things such as installing the latest security alarms on your car.

Other factors which you should take into account are your age and sex, the younger driver does get penalised by having to pay a higher premium but there are sites that are aimed specifically at the younger driver and this is your best chance of making savings. Similarly if you are a women driver then there are sites that cater just for women, with women being known to be the safer drivers you can get the cheapest premiums by going with a specialist company.

Above all when buying car insurance always make sure that you understand what the policy entails and what you are and are not covered for, all policies do have exceptions and exclusions within them so always read what the particular policy entails before committing yourself.

Jason Hulott is Business Development Director of Protection Insurance, an internet based insurance business dedicated to getting consumers the best rates and the best products. Visit our Car Insurance Directory.

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Sunday, November 29, 2009

Compare the Comparison - Comparison Sites

A place where you can compare the difference in price of hundreds of products, including mortgages, credit cards and most types of insurance; the price comparison market, all you have to do is enter some details about yourself and you're away. This type of website has become more and more popular over the last few years. YouGov recently carried out a poll which showed comparison sites were used by 45% of people in this poll in the last year.

Due to companies jumping on this bandwagon and making the most of the high volume of traffic these sites can bring, there are huge amounts of these sites and a lot of competition. So now consumers waste even more time looking for the best deal because they actually have to compare the comparison sites! To add to the hassle comparison websites have had the finger pointed at them for misusing data given to them by the customer when using these websites. There have been a number of allegations made, including pestering customers to choose the deals that earn the employees of that comparison company the most money on commission, selling 3rd party data (customer phone numbers and details) and constant calls to individuals.

An independent policy and research firm, the Resolution Foundation, who deal especially with those on low and moderate incomes and how they fare in the economy of today, want comparison sites to have a voluntary code of practice.

Along side the aforementioned problems, there are fundamental issues with the websites. The Resolution Foundation say quite often details of the consumers are asked for unnecessarily and also that there is terminology on the sites that is not explained, meaning the customers are left to guess and quite often confused by this.

The other thing that has come to light via the Resolution Foundation investigations is that these comparison websites are acting independently of each other and aren't governed under one umbrella, making the voluntary code of practice even more necessary. Coupling with this, there is no clarity or transparency when showing the customer what the deal is between the comparison website and the product providers. This is dangerous because there is a risk of misleading consumers, as there may be biased interest towards one of the products. This comes in to play most obviously, when there are features like "best buys" and "editor's choices", which can easily be misread by customers as being best value products, but all they are is sponsored links.

"Comparison sites are valuable in making informed financial decisions, but many sites are undermined by a lack of transparency about their commercial relationships." commented Clive Cowdery, Resolution Foundation chairman.

Cowdery went on, "A voluntary code of practice would address this and encourage a growing market, without the need for further regulation,"

Fortunately, the problems mentioned so far are not necessarily typical of all comparison websites. AsRecommended, who are traditionally a magazine based comparison company, who have recently added the online sector to their arsenal is a very good example of a company which prides itself on honesty, as well as being a very good comparison website. Ben Allan, the Managing Director, responded with the following when asked about the voluntary code, "Users of comparison sites will benefit hugely from the code of practice and they will in turn have more confidence in our will offer consumers and users of price comparison websites greater confidence in comparison services. We are obviously going to be more for it because we know our services will meet the requirements the guidelines require, but some other companies may not be so accommodating at first"

In conclusion, what comes out of this is that consumers are focal point and are the most important part of this set up. If consumers are happy and feel they are getting a good deal and an honest comparison, then they will return; if this does not happen then this age of websites will cease to exist.

I recommend the following websites to learn more on online insurance and comparison sites for information around this subject.

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