Don’t take a wrong turn when buying car insurance

If you feel yourself chugging in circles when it comes to choosing car insurance, it’s high time you stepped swiftly (but safely!) on the brake and changed direction.  And whether your preferred mode of transport is a giant politically incorrect gas-guzzler or a tiny eco-friendly Noddy-mobile, at a good insurance company you’ll find a quote to surprise you – for all the right reasons.

“But is it safe to get a quote and buy car insurance online?” you might wonder… You’re absolutely right to ask the question, of course. But luckily, in the case of well-established online companies, it’s a rhetorical question.

Kwik-Fit has been a key player in the insurance sector since 1995 and their experienced team know the insurance business inside out, from general to home to car insurance.  Kwik-Fit Insurance is an insurance intermediary and, as such, its activities are authorised and regulated by the Financial Services Authority, which monitors insurance intermediaries carefully.

That’s just the sort of reassuring background knowledge which will give you complete peace of mind when you’re faced with one of the unfortunate motoring experiences that many drivers goes through at some point in an otherwise unblemished driving career.

The main benefit of using the services of car insurance comparison websites such as Kwik-Fit is that they will help ensure you’re not paying a penny more than you have to for your motor insurance. For example, it’s only right and proper that a rally driver who races regularly or a travelling salesman who spends half his life on the motorway and has six points on his licence should have to pay a higher premium than a careful, middle-aged lady driver who makes a tortoise look like Lewis Hamilton in a ‘shell’ suit.

Still on the topic of what’s fair and what’s not, rather than spending hours poring over websites and debating different options on your own, it makes perfect sense to use the services of a proven comparison company such as Kwik-Fit, who has the knowledge and the expertise to search the marketplace quickly and effectively to find you the best deal for your individual circumstances.

Once you’ve completed a car insurance quote form online, they’ll search the 25 plus insurance companies on their panel instantly, sifting out the best quote and saving you a lot of time and trouble in the process.

If you’ve managed to steer your way safely through several years of motoring, you may be in line for special offers and discounts. So not only will you save money by obtaining the best priced quote that’s available, you may also be rewarded in the form of further savings.

So what else do you need to know about buying car insurance? Well, one important decision you need to make is which level of cover you need.  You’ll generally have three choices: comprehensive cover; third party fire and theft (TPF&T); and third party only (TPO). As the name suggests, comprehensive covers you for all contingencies, so if you can afford it, it’s generally the best option.

Unless you happen to be a fortune teller with a 100% failsafe crystal ball, it’s impossible to know what lies around every corner when you’re out driving, and that’s why it’s so important to get car insurance right.


Why pay More for Car Insurance?

Most companies advertise that they have really good car insurance rates and this is a big seller to many people. Most people do not want to pay out more than necessary and so will take some time finding out which company is the cheapest and go with them. However, this may not be the best attitude to have.

Thinking that cheapest is best could land you in trouble. It is great not to pay more than you have to, but you want to make sure that you are getting everything that you need. Paying less can mean that you will be getting less and you may be missing out on things that you may assume will be included in every policy. For example, you could end up saving £50 in a year but end up paying that much per day in car hire because you have no courtesy car cover in your policy.

It is therefore worth making sure that you are getting everything you expect before you sign up to a policy. Read the terms and conditions and see what is included and ask the company whether everything that you need is covered. It is wise to have a think about what you need from your policy and make a note of that. Then ask someone at the company you are buying it from to find out if you are getting that cover. It is best to telephone their customer services. You will not only get your questions answered but you will also find out what the company is like to talk to and this could be interesting. You do not want them to be hard to deal with as this will be awkward when trying to make a claim or if you have any other queries.

So you should be thinking more about getting good value for money, rather than paying less and you will find that you are much better off. You may end up paying a bit more, but you will make sure that you are getting all the services that you expect. You may be able to take away things that you do not need and add on things you do and have a personalised policy that suits your needs for the best possible cost. Therefore you will know exactly what you are paying for and will have the peace of mind to know that you have got all of the insurance cover that you need.


It’s a Great Time to Get New Car Insurance Quotes!

Thinking about getting car insurance? Chances are good that you’ve probably already gone online and looked at some car insurance quotes. However, the truth of the matter is that even though you might have a few quotes under your belt already, it doesn’t hurt to keep looking.

Not sure what we mean? Well, let’s break it down a bit further. You see, the thing that a lot of car insurance shoppers don’t realize is that car insurance quotes change from month to month. This means that if you really want to get the cheapest deal on car insurance that you can, you will need to make sure that you really look at getting more quotes more frequently.

There are a few things that can change the type of quotes that you get. For starters, if you are improving your credit score, you might find that you are getting lower quotes. This is because you’re proving that you’re a safer risk than someone with a higher credit score. Now, it doesn’t seem fair that something like your credit score can be used against you like this, but that’s jut one more reason to pull your credit report and really look at what’s there. If there’s negative information that isn’t true, then you really need to get that corrected before you get serious about shopping for anything that’s going to be base don your credit. It might take a long time though, so if time is of the essence then you’ll have to skip this step. However, if you really do have time to get things done, then you might want to make sure that you take this step — it could really save you hundreds of dollars.

Another thing that can change your quotes is the fact that it’s more time that’s passed since you’ve had an accident. If there’s one thing that spikes your car insurance premiums, it’s definitely the amount of accidents that you’ve had. There’s no way to remove accidents from your vehicle report — only time can do that. Generally speaking, most insurance companies are only concerned with the last 3- 7 years. Some companies only care about the last 36 months, while other companies want a longer history, especially if they’re going to try to give you a fat discount. You just need to look at what you’re trying to achieve and go from there.

Even though we’re big proponents of looking online for your car insurance quotes, the truth is that sometimes you really do have to reach out to someone on the phone or even write a letter. If you’ve been comparison shopping for a while and you know that you can get a better rate, then you might want to call a company representative and see what else they can do for you. When a company knows it could lose your business, then they definitely want to make sure that they do everything they can to avoid that point.

Overall, there are a few things to look at when it comes time to get new car insurance quotes. Since you’re already online, why don’t you scoop up a few new quotes right now? You’ll be glad you did!


Car Insurance Comparison Isn’t Just a Nice Gesture – It’s 100 Percent In your Favor!

Your mission, should you choose to accept it right now, is going to be to make certain that you have the best car insurance possible. Yes, it’s something that can be stressful to find when you feel like there are so many other things to do on your plate. However, one of the first things that you’re going to have to realize before you even begin is that car insurance comparison really isn’t just a nice gesture. It’s not something you turn to if you have time. When the goal is to save money while still getting a high quality product, you’re going to have to make it a priority to do it.

In other words, car insurance comparison is something that’s truly 100 percent in your favor. Why wouldn’t you want to make absolutely sure that you’re getting the best policy for the money? We think that a car accident will never happen to us, but how do we know? Even the most defensive drivers can end up making a split second judgment error that gets them into an accident. If they don’t have enough coverage, the damage could cause them a lot of financial stress and even complete ruin. How many people you know seem to be one or two emergencies away from a major financial disaster?  Perhaps you’re even in that situation yourself.

That’s why it’s really, really important to make sure that you’re taking the time to look around you and ensure that you get insurance policies that make sense for your needs. No two drivers are going to want the same exact things from their auto insurance plan. Some drivers are going to really want collision coverage. If you’ve got a car that you nee dot make sure is running around the clock then collision insurance is a must have. You want to make sure that if you were in a car accident that was your fault, that you could at least file a claim and get your car taken care of.

Waiting till the last minute to find the policy that matters to you will only make you feel rushed. It’s a given that when we really feel rushed, we make decisions that really aren’t good for us. That’s problematic, and you’re going to need to avoid that as much as possible by giving yourself as much TIME as possible.

No matter how you look at the situation, the only thing you can do is push forward and get started looking up those quotes — don’t delay too much more, now!


Car Insurance Companies Are Not Eqaul Across The Board – Compare Smart, Save Real Money!

Ah, money — no matter what your income situation is in life, it always feels like there’s not enough money. You have to make sure that the choices you make in life are going to support the income that you already have. Yes, it would be nice to make more money. Yes, it would be cool to inherit money. But most of the financial decisions you have to make in life are happening right now, and that means that you need to think about the situation you are in rather than the situation you want to be in.

Car insurance companies are all standing by waiting for you to select one of them. After looking around at everyone that offers insurance in your state, you might feel like there’s no real point in giving it a lot of food for thought. After all, this is something that’s supposed to be universal across the board. Most insurance products are straightforward on the surface. If you’re looking for car insurance, then you need to policy to protect yourself from liability at the very minimum. In fact, you can’t even leave your home and drive to the store without having liability insurance that covers your state’s minimum. Every state is going to be different so make sure that if you are thinking about moving from one state to another that you pick up two quotes. You’re going to naturally want to know about where you are living currently, and you will need to know about where you’re moving to. The more information that you can get for yourself, the better off you will honestly be.

Looking at car insurance companies form the inside out helps before you actually make a financial commitment. Sure, you might want the lowest price possible, but what is the insurance company skimping on in order to keep prices low? You might not get claims assistance when you need it, or you might have to fight with automated machines in order to get the things you want and need. That’s problematic and you shouldn’t even go down that road at all. Insurance is something that’s so important that it really doesn’t make sure to even try to compromise on the basics like quality and service.

The right insurance company is going to want to answer you questions and make sure that you’re completely comfortable with everything going on. That’s the real key to success after all, so why not make sure that you get started today?


Car Insurance Discounts for Young Drivers

One of the most costly times in parents’ lives is when their children turn 16, obtain their drivers’ licenses, and cause their parents car insurance rate to increase.  New car insurance premiums don’t necessarily have to be scarier than a horror movie. Follow these auto insurance tips to see if you qualify for some of these discounts.

Driving Course Discount

Teenagers are inexperienced drivers when they first receive their license. That inexperience makes auto insurance companies wary of insuring them, because they tend to make mistakes on the roads that more experienced drivers do not make. You could wait till you turn 25, or you could take action and sign up for a driving course.

A driving course is something that young drivers can use to learn the rules of the road and how to properly operate a vehicle. Using a driving course impresses car insurance companies and makes participating teens eligible for a discount. This is a way to gain more experience without waiting the years it normally takes to be considered an experienced driver by an insurance company.

Good Student Discount

Young drivers in high school and college can obtain a good student discount that can reduce rates, by at least 10 percent depending on the company and the child’s grades. You must show your car insurance agents your kids’ progress reports. If they are in mid-term but they know they will have at least a B average, they can present a letter from the principle or the dean. Show your insurance agent the kid’s report card or profess report from the principal or dean.

A Safe, Economical Car

A safe, economical car will not only be cheap and protect you in an accident, it will cost you less for insurance. Consider the cost of parts and repairs, purchase accordingly, and the insurance company will offer you a discount.

Park the Car in the Garage

There may not be many spaces for several vehicles in your garage, but you might want to ask Mom and Dad if they will let you park in the garage. Because your rates take the worst hit, it makes sense that you should have the advantage of a discount for keeping your car sheltered. Insurance companies know a vehicle is less vulnerable to being stolen or vandalized when it is safely locked in a private garage. They will offer you a discount because of it.

Low Mileage Discount

Lastly, if you’re going away to school, you can lower their auto insurance premiums significantly if you leave the car in the family garage rather than taking it with you to a faraway school. It will entitle you to a low mileage discount, because you will have limited access to the car and only drive it on occasion. Taking the bus is not nearly so bad as you imagine it. Campuses make sure that buses run frequently and make many stops. You’d be surprised how well you can get along without your car while school is in.


Stop! Consider The Positive Aspects of The Need To Compare Auto Insurance Policies Before You Skip Over The Research!

Insurance is one of those subjects that nobody really likes to talk about. However, there’s going to be some sort of event in your life that will come up where you know that you will need as much insurance as possible to really get the job done. Sure, you could always try to skip out on it and not really bother to do the research, but in the long run this does a lot more harm than good. You’re really better off making sure that you focus on looking around as much as possible if you really want to make sure that you’re saving as much money as you possibly can. We know that you’re not really thinking about insurance, but you really should. It’s a subject that people hate because you pay so much to get something that you hope never to use.

Yet the power of peace of mind is truly everything. If you were to get into a bad car accident, wouldn’t you really want to make sure that you have the power to take care of any damages that might be your fault? Any injuries that might be your fault? These are things that can truly ruin someone financially so you can’t let them happen to you. You can’t wake up and suddenly find yourself unable to get things done — that just wouldn’t make any sense at all!

If you want to help yourself, do one thing — compare auto insurance policies. Today, not tomorrow. Do it now while you’re thinking about it. Go online and actually fill in valid information in the forms that allow you to look up multiple quotes. This is going to be the key to getting things done because you don’t want to wake up and find that you don’t have the right coverage. That could turn into something very costly.

One of the biggest mistakes that people make however is to think only of the price of their auto insurance policies. They’re comparing prices and thinking that they’ve done their homework. You really want to make sure that the prices you compare are going to be actually linked to the right items in question. For example, if you have one policy that doesn’t add in compressive coverage and another one that does, they aren’t equal. One might be cheaper, but it’s missing something that might be seriously on your list of wants when it comes to the policy in question.

Do yourself a favor and really take time to make sure that you’re finding what you want in the world of auto insurance — start today!