Friday, 16 December 2011

Car insurance quotes - avail cheapest car insurance policy

You can reduce your car insurance cost up to a certain extent and can avail maximum benefit from the car insurance policy by comparing insurance quotes carefully.  You have to spend car insurance cost, if you have a car or decided to drive your own car. You have to insure your car against theft and accident. A car accident may damage the car, the driver, the co passengers or others those who are not travel with you. So car insurance is to compensate theft, damage of car in accident and compensate the person who met with accident. As per the rule of the land car insurance is mandatory. You cannot avoid it.

Compare car insurance quotes: There are a lot of car insurance companies, and car insurance policies to choose from. You have to get more benefit with low car insurance premium. So you should compare various car insurance quotes of various car insurance companies. Not only the amount of premium but also the benefit they offer.

Age of the driver: Age of the driver also consider by car insurance companies while considering the premium for car insurance. This is with the consideration that the young drivers get only a little experience and the premium will be more for them.

Driving experience: An experienced driver seldom met with accident and the premium of the car insurance for such a driver is very less comparatively with inexperienced drivers.

Driving history: Driving history of the driver also important while fixing the premium of car insurance. If there is any accident history for the driver, the car insurance companies will charge high premium than that of a safe driver. A reliable safe driver can cut the premium up to a certain extent. At the same time an accident prone driver could not get approval easily from most of the insurance companies.

Be aware about discount offer: Most car insurance company’s offer discount for new car insurance policies, but from the second year onwards the premium may substantially high. Be aware about such situation. Do not fall in the attractive first time premium offer. Ask about the second year and following year’s premium.

Avail non claim discount: You can avail non claim discount for the renewal of a car insurance policy and this non claim bonus can carry forward to your new car insurance policy also. So avail this discount as an award for your cautious safe driving.

Discount for safety fittings: Car insurance companies offer discount in premium for safety fittings such as safety belts, anti theft devices, air bags etc. Avail these discounts when you go for a car insurance policy and this discount will continue for the renewal of insurance premium also.

Discount for your new car: Some insurance companies offer discount for your second or third car, if you take insurance policy from the same company. Avail this discount.

Student & senior citizen discount: If you are a student or senior citizen or retired person you can avail discount for car insurance policy as per the terms and conditions of insurance company.

Free insurance: Some car companies or car dealers offer first year insurance premium free of cost. Avail this offer, because the insurance premium for the first year is the largest amount, so that they consider the full value of the car

History of claim settlement: Last but not least you must check the claim settlement policy and practice of the car insurance company. Are there any haphazard to settle the claim? It is difficult to run pole to pillar to settle a claim.

Keep all these in mind when you go for a car insurance policy. Get quote from various insurance companies and compare all car insurance quotes and take a final decision. Then you can save a lot in your car insurance premium and car insurance cost.

Car insurance quotes, cheapest car insurance policy

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1 comment :

  1. car insurance quotes to be study and compare carefully, then only you can get the cheapest insurance policy.