MAKE SURE THE CHEAP CAR INSURANCE POLICY YOU ARE LOOKING AT ACTUALLY MEETS YOUR NEEDS

Article by David Nalin

There has never been a better time to reduce all our monthly expenses. If you own a car then an item you would love to spend less on is car insurance. Of course, doing that may mean that it is time to shop for cheap car insurance. If you have ever done a pricing comparison on car insurance then you know that this is not necessarily an easy chore. The thing that makes shopping for cheap car insurance tricky is that cheap does not necessary mean best value or least expensive. A super low monthly or quarterly rate doesn’t save you much money if the time comes to file a claim and the company that writes the policy won’t (or can’t) pay. If you aren’t smart and careful in how you shop, cheap car insurance can actually cost you more in the long run.Your very best resource for finding discovering information about cheap car insurance is by talking with your friends and family. You may even discover someone who has already been through the process of researching insurance rates. In any case, you can get the inside scoop from people who actually have used certain companies. This will give you a good clue about how companies deal with their customers and how quickly they pay their claims. One other way to gather information is by consulting with insurance agents. These professionals will be well informed on the major companies that serve your area and who has the best prices.

Once you have tapped your network of acquaintances and insurance agents for information on cheap car insurance you can turn to the Internet. All you need to do is search on your location and “cheap car insurance” and you’ll find yourself presented with dozens of results for companies offering to provide you with insurance. From here you can compare prices and features. It is likely that much of what you find will match up with what you found out from your very non-scientific poll of the people you know. You should now have a short list of companies that intrigue you. By digging a little deeper in to each company you should be able to make a decision on which company is right for you.

Policy prices are based on a number of different factors. This can make it difficult to determine if you are actually getting cheap car insurance. What may look cheap on the surface may not include all the options you need so the final price doesn’t end up being that cheap at all. Before you even begin to look for cheap car insurance you need to determine what kind of insurance you need and what policy limits and deductibles are the best for your particular situation. That way, when you find something that appears to be a good cheap car insurance policy you’ll be able to assess whether or not it will meet your needs.

One way to be sure you are getting the best price possible is to take full advantage of any discounts that may be offered. Most companies offer a variety of discount programs based on factors such as driving record.

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17 year old car owner/driver needs a proper car insurance policy

Article by ashok kaul

17 year old car owner/driver needs a proper car insurance policy

With the number of young car drivers growing every day, there is a need for a specific car insurance policy, which caters to 17-year-old drivers, having their own cars.

While we have the figures showing that the younger drivers being inexperienced are involved in more car and other accidents, than the older drivers. However, it cannot be said for the whole lot of young drivers, particularly the 17-year-old car drivers. At the same time, there is a greater need to educate the young car drivers including 17-year-old drivers to search for a comprehensive and proper car insurance policy that suits them best.

Certain insurance brokers may offer an insurance policy that has every stuff in it and ultimately it may not prove useful to the 17-year-old car driver, as there may be nanny benefits offered with the car insurance policy, which are not at required by the young driver.

The law should be very stringent with regard to the car insurance policy, particularly for the 17-year-old car drivers having their own cars. The law has to ensure that a 17-year-old car driver has a proper and well-documented car insurance policy, before he takes on the wheels and goes off to the road for a drive. Certain countries have fixed penalties for not having a proper car insurance policy by the 17-year-old car driver. In Great Britain the penalty for not having proper car insurance is a six point fine. This means in real terms that a 17-year-old car driver has to appear for a retest as their license gets revoked due to this offense.

Young car drivers, especially 17-year-old drivers and till the age of 25 years, are deemed as high-risk drivers. This means that the chances of more accidents are higher with this age group of drivers. Hence, most of the insurance companies add up their costs to quote a higher price for a 17-year-old car driver to have the car properly insured.

However, there are many instances where we can find that the insurance brokers and companies have a genuine case to put up the prices, as 17-year-old car insurance will have to meet the excess claims from the 17-year-old drivers due to their inefficient handling of the vehicle and its maintenance..But at the same time there are certain car insurance companies who provide 17-year-old car insurance at cheaper and reasonable prices, as they are specialists in the field of providing car insurance policies to the young drivers only, like a 17-year-old driver.

One needs to do a online search for such companies and here is the link to one website that can help

. http://www.car-insurances-online.com/17-year-old-driver-auto-insurance.htmDuring the course of learning car driving, a 17-year-old car driver is taught to drive slowly and that too a older vehicle, so that the driving skills get perfect and the 17 year car insurance policy is also cheaper to get. Another web site address given here can be of much help in this direction.

http://www.car-insurances-online.com/17-year-old-driver-auto-insurance.htm

In Netherlands, we can find many Dutch companies that can give a proper autoVerzekering and the companies like the following Dutch website can prove very useful

: http://www.car-insurances-online.com/autoverzekeringen-aanbieders-nederland.htm

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