It has become increasingly difficult to get young driver car insurance in the UK. The reason behind this is because the statistics for young drivers having a car accident are not very good. By definition, young drivers have very little experience of driving and thus have a greater chance of having a bump in their vehicle. Car insurance companies are obviously in business to make money and are understandably reluctant to insure such drivers. In most cases, companies will either offer a policy at a very high premium or refuse to insure the person altogether.

However, there are ways to lower your premium. First of all you should purchase a car that has a low insurance group number. Insurance group numbers range from 1 - 20. Generally speaking the higher the number the higher your premium is likely to be. Read the rest of this entry »

Finding the best car insurance today seems to be more complicated than ever before. Even with the ever increasing number of comparison web sites competing to make our lives easier by all claiming to be the most comprehensive, comparing 98 per cent of the UK’s motor insurance companies, there seems to be a mixed message sent out to customers. On one hand you have the cheapest car insurance customers who are only really interested in price. On the other there are the ‘what about the policy features’ customers who ponder over having a courtesy car included in their policy or personal accident cover.

I’ve just completed a quick search on one comparison web site which claims to compare car insurance policies on the features available as well as the price. The top 10 insurance companies quoted in my search all provide 3 out of a possible 5 of the additional features anyway! I’d actually get a courtesy car, windscreen cover and personal accident cover as standard with these insurance companies so why do some comparison web sites go on and on about comparing insurance by features as well as price!?

I just hope that people using these web sites can actually find a better car insurance deal to suit their needs. Personally, as I said previously on the financial blog, all I’m interested in is price. I want to get the cheapest car insurance policy possible; I’m not interested in policy features.

Just do yourself a favour and make sure you check out a few comparison web sites when you’re searching for car insurance. If you get quotes from 3 or 4 of the main comparison web sites then you can be sure you’ve searched pretty much the entire UK car insurance market and you’ll have looked at the insurance policy features and the price.

Price wins every time for me!

If you’re living in the UK then you know that there are soo many auto insurance types to choose from and it’s getting harder and harder to choose the one that has the best coverage/price ratio. Cheapest is not always the best, but there are several companies that offer great quality at low prices. It doesn’t matter if you’re a woman or a man, or if you’re driving a van or the most luxurious car, motor insurance is a must if you want to be safe everyday.  If you’re driving a van, then you’ll surely look for cheap van insurance . To insure that the van insurance coverage that you bought will serve its purpose and your purpose in getting one in the very first place, never haste in determining what your specific needs are and how much are you willing to pay for it. Otherwise, you might end up owning the most comprehensive and most expensive coverage for your van that is not even worth half of what you paid the insurer. Also, there are several companies that put women on top of their priorities and you could have a lot of discounts if you’re looking for ladies car insurance at these companies.  So, if you’re looking for cheap auto insurance in the United Kindgom you should first start to browse the internet, try to read about companies that offer discounts and only after that… you should choose the insurance you want.

    You’ve probably seen that lately, some insurance companies offer an auto insurance plan called “pay as you drive” as part as their insurance options.  What does this means? you can buy an insurance that depends on how many miles (kilometers) you drive yearly.

Sit down, relax, and try to calculate what’s your mileage each year and you could but the best “Pay as you drive” insurance plan. How do they find out how many miles you drive? They install in your car a device that tracks it via GPS  and that devices tracks how many miles you make yearly. That data is being sent to your insurance company and they settle the price for your policy. This could definetely help you if you’re not driving too many miles yearly.

It’s true that you might think you don’t need an auto insurance if you’re not driving too much, but you never know when you’ll have a bad incident. Also, when you want to rent a car you can sign for a “pay as you drive” insurance. This could be paid on how many miles you’re driving but could also be paid by the hour, and the price would be calculated on how many hours you’re going to drive.

So, if you’re not using too much your car, or if you just want a quick insurance after you’ve rented a car, you should definetely make a “Pay as you Drive” insurance because you’ll never know when bad things happen.

When we mention Auto Insurance we talk about insurances purchased for any vehicle, from cars to trucks. Auto Insurance is mainly bought to provide protection againt losses that would appear in an accident and against liability that could be incurred in an accident.

Insurance can cover some or all of the following items:

• The insured party
• The insured vehicle
• Third parties

You can also use auto insurance for other things than accidents such as: theft or fire damage and you can also choose one for one of these auto insurance types: accident auto insurance, theft auto insurance, fire damage auto insurance or go for the whole package.