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How to get the best cover for your family car

Although a family car may be a second-hand vehicle or inexpensive run about it's still an essential element to a family's well-being. Numerous families rely on the family car to get the children to school and sporting activities. Family cars are used to get family members to workplaces and to run all the various errands that managing a household entails. The family's social lifestyle may be heavily dependent upon the family car. Thus, one could say the family's social, financial, and emotional well-being could all be dependent on the family car. Therefore, it makes sense to protect the vehicle as much as possible by purchasing the right car insurance.

Nowadays, it's quite possible that the family has more than just one vehicle. One or more of them could be a newer make and model rather than just being an inexpensive run about. This makes it even more important to protect the family's investments with adequate insurance cover. However, with insurance premiums constantly increasing, many families find it difficult to fit car insurance policies into their budgets.
Fortunately, there are several ways families can trim the cost of their car insurance. According to recent research, at least 45% of all British drivers are paying too much for their current insurance cover. Whether buying insurance for one or several vehicles, the following steps may help prevent you from being in that category.

Steps to take to reduce premiums

Do in-depth comparison shopping: Not all insurance companies determine the premiums in the same manner, so premiums can greatly vary from insurer to insurer. Never just automatically renew your car insurance cover. Never merely accept the very first low offer you find that seems to be a good deal. It may be low, but it isn't necessarily the best deal or right cover for your situation. Some low cost insurance comes with hidden fees and charges, so you must read all the fine print too.

Do your comparison shopping online: It's less expensive and less time consuming to do it this way. Most reputable insurers now have websites available, plus there are numerous insurance comparison sites that offer free assistance with finding quotes. It's best to visit at least two insurance comparison sites to find a wider variety of offers. You simply enter your information into a form, submit it, and then either you can get a firm quote online or the various insurance agents contact you to give you quotes based on the information you provided. Be sure you give truthful, accurate information when seeking quotes or purchasing insurance, whether shopping online or off-line. To ensure accuracy and ease, gather all the necessary information before applying for quotes or purchasing a policy.

Consider group insurance factors: Insurers will usually classify each driver into an insurance group based on age, gender, credit history, driving record, residence, occupation, education, and health, as well as mileage driven and type of vehicle for each driver being insured. Try to reduce the insurer's risk in each of these areas as much as possible. For instance, possibly limit the frequency and mileage a car is driven, especially for any driver under 25 years old. Stop smoking, taking drugs (unless prescribed by a physician), and drinking alcoholic beverages, if you happen to participate in these potentially addictive habits. Establish and maintain a good credit history and driving record. Take extra driver training courses if at all possible. When purchasing a vehicle, consider its insurance group factors, and try to stay in an insurance group with a low number.

Ask about discounts: Not all insurers offer the same discounts, nor do they always tell you about the available discounts unless you specifically ask. This is especially true if you are renewing a policy with your current insurer. Some insurers give special discounts for purchasing cover online.

Always inform your insurer of any changes that might affect your premiums, such as address changes, a driver turning 25 years old, car modifications, changes in occupations or work locations, and adding or removing drivers from the household. Not informing the insurer could invalidate your cover, as well as prevent you from taking advantage of any new discounts you may have become eligible for.

If you have more than one vehicle, consider getting multi-car insurance or combining your car and home insurance cover. However, do some comparison of both single and multi-car cover. Due to the vehicle's makes & models, age of drivers, or other factors, it may be better to insure the vehicles or drivers separately rather than as a group on one policy. You may be able to transfer vehicles to a multi-car policy even if they aren't up for renewal yet.

Ask family, friends, and co-workers about their insurers. They may have already found some really good deals that you might be eligible for too.

In some cases, paying a higher voluntary excess may also reduce your insurance premiums. However, you'll have to consider this decision very carefully. A recent research project commissioned by comparison sites have revealed that the average person only saves up to 59, or 15%, of the annual cost of a premium when comparing a 100 excess to a 500 excess. A mere savings of 5 existed between having an excess level of 250 compared to 300. The only significant reduction in premiums occurred when increasing the excess voluntarily from 0 excess to 100 excess. Raising your voluntary excess may save you a little money in the short term, but cost you a small fortune if you ever have to file a claim. It's good to remember that nearly every driver ends up in an accident sooner or later, no matter how safe or good a driver they may be. Be sure to set your excess at a comfortable level that will not be difficult for you to meet, even if filing a small claim.

Trim off any extra services: Some insurers automatically include extra services with the policy. These can cause additional fees. Don't be shy about asking your insurer to remove any extra services that you may never use.

Remember that any type of shopping for family car insurance can become overwhelming. Comparison shopping online is no exception. You'll have to be just as selective when purchasing online as you should be when buying off-line. Check out each insurer's reputation and financial stability, as well as efficiency and customer service. Make sure your family car insurance is specifically tailored to your needs.
Life can be very hectic and confusing even during the best of times. Finding, comparing, and purchasing family car insurance can make life even more hectic and confusing. If you need any assistance, you should contact a reliable insurance specialist or broker. Many insurers, specialists, comparison sites, and brokers may be found online, and some offer free live chats to answer all your questions.

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