subject: Shop Online For Cheap Car Insurance [print this page] No matter what type of driver you are or what kind of car you drive, you may be paying too much for your car insurance. Every company varies not only in premium but also in the amount of compulsory excess they require for your policy. That's because each company has different experience for varying ages, driving records, vehicles and locations.
When you're looking for cheap car insurance, you have to look at the company's compulsory excess before you make a decision on purchasing. While some company's premiums may be exactly like another, they may require a higher compulsory excess.This means you pay more out of your pocket if there's an accident that is your fault. In this case, the premium may be less but you're also getting less for your money.
Another confusing aspect of a policy, in similar vein to the compulsory excess it the voluntary excess. Some agents that only have one company to offer increase the voluntary excess to make their premiums look cheaper. Of course, the more you pay out of pocket, the lower the premium becomes. Check closely on that amount to make certain that you're actually comparing the same cover.
While most companies don't sell 'Road Traffic Act Only Insurance' cover, you do need to check the limits of liability offered in the policy to make sure it's 'Third Party Only Insurance.' 'Third Party Only Insurance' offers you higher limits of cover in the event you cause damage to another in a traffic accident. In this case, the lower the cover is, the less the policy costs.
Cheap car insurance may sound like a hassle to find but it actually can be quite easy to do. Instead of shopping for your insurance by calling or visiting several different agents near your home, you can save time and money by shopping online for your insurance.
Most of the time, local agents work the same hours as you do so it makes contacting them difficult. You have to either take time from work or use your day off to secure quotes. Alternatively, once you contact them, you won't get a quote instantly. Instead, the agents will get back to you, call you back at an inconvenient time, leave a rate on your voice mail with no explanation of cover or require a sit down appointment to discuss your insurance.
All these things can make it confusing to find the best rate or cost you valuable work time. The simpler way to find cheap car insurance is to look for a site or sites on the Internet that offer several different companies. You simply need to input your information and insurance requirements once and you'll receive several quotes from different companies.
To make it even easier for you, the sites are open 24 hours a day so you can find cheap car insurance at midnight or mid-morning. You don't have to sit through boring sales presentations from representatives and can cut through the confusion by seeing the quotes from each company side by side. It simply makes sense to shop online for your next policy.
by: Tom Jones
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