Everything You Need To Know About Car Insurance Quotes: Part 2
Insurance: we all need it and hope we never need to use it, but most of us know very little about what we need to do to ensure we are getting an accurate insurance quote for our car.
Car insurance costs are always on the rise, so it is important to know what you’re doing when you’re in the market, so you don’t end up overpaying.
We’ve already looked at the type of excess insurers will charge; how to accurately report your yearly average mileage; and the importance of informing your insurer the reasons you use your car.
Now we’re going to share some more useful tips to ensure you find the right cover for you and your car:
Where Do You Park?
Being able to park your car in a garage overnight will mean you will have to pay much less than if your car is parked on a driveway, and even less so than if it needs to be parked in the street. Reporting that your car is parked in a garage when it is, in actual fact, parked in the street, may void your insurance if it gets broken into or stolen. The postcode of your home address will also determine how much insurance you pay; if you live in an area where car thefts are common, unfortunately that will reflect in your insurance quote.
How Will You Be Paying For Your Insurance?
Paying for your car insurance in one go is the cheapest option but is not a viable option for most car owners. Sure, if you have the money to pay it off in one go then that would be great as paying monthly will work out more expensive because you’ll be charged interest too. If you need to spread the cost, compare the monthly premiums as the amount of interest will vary.
The main driver will be the one who uses the car the most. For most couples, this will be the person who uses the car on most days, not the one who performs one long drive each week.
All new and used cars need insurance. So, to make sure you get the best deal, follow this handy guide to make sure you report all the important information as accurately as possible.