Diving in to the world of car insurance can seem a little daunting especially if you are insuring your car for the first time. Here is a simple guide that aims to take the stress out of buying car insurance in just a few simple steps.
The first step is to collate all of your personal details and note them down in one place. Searching for the right car insurance deal can be stressful enough without having to locate your details and your driving records. If you plan to add another driver to your policy, make sure you have all of their details to hand also. Having this information to hand will save you time on your search for the best car insurance deal. Keep all of your personal details in a pile with your renewal letter and your proof of no claims discount if you have any. Lastly, dig out your debit or credit card in preparation of payment.
When you are shopping online for car insurance, you will need to know a number of things about your vehicle. Your vehicle registration number should be noted down as well as your annual mileage and the model and brand of your car.
Types of Car Insurance
Once you have all of the required information, it’s time to start your search for the right type of car insurance online. There are a number of different options to choose from including comprehensive car insurance, third party car insurance and third party, fire and theft. Choose comprehensive car insurance if you want to be covered for everything should an accident happen but be prepared to pay for the privilege. This is the most expensive car insurance type but it will cover you against fire, theft and the damages caused to your vehicle and the other car involved should you be in an accident that was your fault. Third party insurance is more of a basic option that is usually the cheapest form of cover but this will only cover your passengers in the event of an injury.
You will have to pay policy excess regardless of the car insurance provider you choose. You can choose the amount of voluntary excess you want to pay and if you are willing to pay a substantial amount, this will lower the price of your premium.
How to Find the Right Car Insurance Provider
Finding the right car insurance provider can be time consuming but it is essential to shop around for the best deal. Doing your homework is one way to save money on your car insurance and this is your chance to lower the price of your cover. You can either search for a cheap quote via a car insurance comparison site or go direct to a car insurance provider. If you do choose to go direct, make sure you get a number of different quotes as this will ensure you are not paying over and above for your insurance.