Handy Hints To Remember When You Compare Car Insurance Quotes

Written By: John Bellafonte on June 1, 2010 No Comment

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.

Young drivers under the age of 25 who drive fast cars many not be able to get cover from certain insurers. Younger, inexperienced drivers are considered to be a greater risk and the fast cars do not help the drivers cause.

Most new cars come with standard security fitments. Discuss scenarios with the agent and find out whether added security features will get you a discount on your premium. This is certainly a worthwhile investment that will bring you much peace of mind.

The purpose and use of your car is important when you buy insurance. If you only drive your car to and from work, you will insure it for private use only. If you use your car to transport items and to visit with clients, you will insure it for business use.

Drivers of your vehicle other than yourself should be listed on the policy. If this is not done and there is an accident, the company will not pay out in the event of a claim. This is especially the case if you have a teenager that drives your car. For a couple of Rands per day the teenager can learn to drive by using your car if they are listed as a driver on the insurance policy.

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.

Compare apples with apples and oranges with oranges when comparing the quotes. Excesses, admin fees, premiums and exclusions should be scrutinized to see you get like for like. Paying yearly or twice yearly will be more cost effective as monthly admin fees will be eradicated. Lower excesses mean a higher premium.

Compare car insurance quotes to ensure you get the best deal that suits your needs. Exclusions, premium and excesses are all important details to consider when wanting to buy insurance for your car.

If you want to compare car insurance now or if you are looking for more helpful resources about car insurance quotes just visit this website: www.InsuranceQuotes.info