subject: What Are Cheap Car Insurance Policies? (cheap Car Insurance Policies) [print this page] A number of companies claim to offer cheap car insurance. The terms used to describe the policies are slightly altered to avoid any notions of cheap meaning lower quality. You need to remember that each policy has to be compared carefully before deciding how much truth there is in any such claim. There are so many conditions that may be included in a policy that paying less may indeed mean that you are receiving fewer facilities. The problem is, if you pay more you may be paying for facilities you are unlikely to use, so the is no point in paying the extra.
Factors to Consider
Breakdown recovery is something that not all companies include in their policies. Companies offering cheaper insurance may exclude to bring their premiums down. If your car is older, less reliable and likely to depend upon such a service more than once a year, you might end up paying more overall if there is no breakdown recovery service. However, it might be worth the risk if you are insuring a brand new car, as the likelihood of a break down is less.
Consider the amount of excess included in the policy. Some companies offer voluntary excess so the customer can decide if they prefer a higher premium without any excess, or a lower one with it. The higher premium might be worthwhile if you know youre driving habits are not good and your car could be damaged more than once a year. If you are a careful driver who rarely gets a scratch on your car, there is no point in paying a higher premium to save an excess you would probably never have paid.
Cheaper policies often charge the customer if there is a need to adjust the policy. For example, if you change your address, there might be a charge incurred for changing the record. Other companies cover administrative costs in their premiums, and thus have slightly higher premiums.
Customer service often varies due to needed cost-cutting to achieve lower premiums. Customer service is often unexpectedly required, so having a company that is friendly and accessible may have real benefits.
With the variety of insurance companies offering their services online, discounts are being offered to customers willing to apply through this process. Two identical policies can have different rates if one is bought online. Different companies offer a variation of services to attract customers. Some are included in their policies and some charge extra. It is important to clearly state what your requirements are and to ensure that they are all covered before you commit to a policy. If you want very basic cheap car insurance with no extras, chances are you will find cheap car insurance.
by: Richard Philips
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