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Whether you’ve been driving for decades or you’ve just passed your test, making sure that you maintain your vehicle to the best of your ability can be a hassle-filled process – no matter how much you love your car. In today’s troubling economic climate, that process becomes even tougher as drivers put off new car purchases and are forced to take care of ageing models.This also includes carefully considering their car insurance.

Yet car insurance doesn’t have to be just a dull legal necessity. In fact, if you search in the right places, it could be surprisingly easy to find the quirky details and cover options that could make your car insurance policy effortlessly fit in with your lifestyle.

Adjusting your car insurance policy to suit your interests

If you’re concerned about climate change, finding a greener car insurance policy is likely to be a priority – even if you don’t drive a hybrid car. More insurance providers than ever are now seeking to offer their customers environmentally friendly vehicle cover. At the Glasgow-based Green Insurance Company for example, policyholders can expect their motoring carbon emissions to be offset by 100 percent. To date, the company claims to have planted over 100,000 trees across Scotland and Northern England, offsetting an estimated 51,000 tonnes of carbon emissions.

On the other hand, if classic cars are your passion, it’s important that you seek out a car insurance policy that covers your specialised needs. Classic car insurance can be tailored to suit motor enthusiasts who still drive their old, distinguished vehicles on the road. Alternatively, if your cars are collectors items rather than operating machines, you’ll be able to find a competitively priced specialist insurance quote through a quick online search or website comparison.

Moreover, if you’re a self-taught mechanic and carry out all of your own repairs, it’s possible that you may need to seek a bespoke car insurance quote. Some standard motor insurance policies may not provide cover for repairs that aren’t carried out by professionals, so it’s always worth double-checking your policy or calling your insurer to make sure where you stand. As a result of the current recession, many drivers may be resorting to making their own repairs and tweaks in a bid to cut costs – so establishing whether or not this action complies with the regulations of your car insurance policy is more important than ever.

Finding competitive car insurance quotes online

With so many insurers vying for your custom, it can be tough to establish which car insurance policies offer you the most comprehensive protection for your money. Car insurance comparison sites can offer invaluable help, allowing you to tailor your search for quotes to your own preferences and making it easier to sort through premiums in price order. So whatever your personal lifestyle choices may be, you can choose the ideal car insurance policy in just a few clicks of a mouse.

The phrase “car insurance” implies that what you are insuring is your car, but the realities of car insurance are a bit more complex than that. When you purchase a comprehensive auto insurance policy, you are protecting yourself from the costs of damaging your car, but that is just one element that makes up full automobile insurance coverage. You need insurance that can cover the legal fees that may result during a lawsuit if you take another driver to court after an accident. You need insurance that can cover the cost of prescription painkillers that you may need to buy for yourself if an uninsured driver runs a light and hits your car. These and hundreds of other possible costs that have nothing to do with your actual vehicle can be covered by so-called automobile insurance. The act of buying an insurance policy for your car is an act of making sure that it is financially safe both for yourself and for anyone else who you may encounter when you are behind the wheel.

You need to protect yourself from the potential financial hardship of paying for the medical bills of anyone who you injure in an accident, and the costs of repairing any public or private property that you may damage. In addition, before you can hit the road in most states you need enough insurance that you will be able to pay for your own medical care if you are injured in a crash caused by an uninsured motorist. So far, none of these important elements of a standard car insurance policy even mention the automobile itself!

A good collision or comprehensive insurance policy will cover at least some percentage of the cost of repair to your vehicle after physical damage. However, since not every state requires that you have this kind of insurance, don’t assume that physical damage is covered by your policy unless your agent tells you so directly. Physical damage coverage is just one element of a good automobile insurance policy, and many people consider it optional rather than necessary. The actual cost of insuring the physical form of your vehicle is almost always dwarfed by the costs of the other kinds of insurance that you need in order to drive safely, responsibly, and legally.

Other options that you will be likely to encounter when choosing a car insurance policy include things like medical payments coverage, which will help you meet the costs of medical attention after an accident. Of course, a traditional auto insurance policy includes a certain level of protection against the costs of treatment, but things like co-pays are not covered by body injury liability coverage or uninsured motorist coverage. This leads many people to take out additional insurance so that they know that they will not have a larger than necessary financial burden if a hospital stay is necessary for them, for a passenger, or for somebody else harmed during a crash.

Choosing a car insurance policy may seem like a simple task, however, consumer group Which? is warning drivers that they must make their decision carefully.

The organisation has released a money-saving handbook with tips and guidance on the insurance polices to avoid and the products that are not necessary. Though car insurance itself is essential for all motorists, they should take their time to ensure they’re picking up the right policy for them.

Many drivers are lured in by attractive offers and discount rates. Even if securing cheap car insurance is your number one priority however, there are ways of going about finding the best deal.

For example, don’t assume that your insurer is the cheapest. Use a car insurance comparison tool to compare quotes from a range of insurers and see what else is on the market every time you renew your policy. This way, you can take advantage of introductory offers and always ensure you’re paying the lowest price.

However, it is important to look beyond price and think about the level of cover you’re receiving.

It’s vital to read the small print of each policy to look for exclusions. Many of the features some drivers assume come as standard actually cost extra on a number of car insurance policies.

For example, repairs may only be free through one of the insurer’s approved contractors. Furthermore, many car insurance companies charge extra for courtesy cars, European cover and legal services.

Each driver should carry out a risk assessment based on their driving habits before searching for car insurance. Remember when searching for cheap car insurance that no one insurer is guaranteed to offer the best quotes – you must shop around based on the car you drive – such as Volkswagen car insurance – your circumstances, and your driving record.

UK car insurance for new and young drivers will never be cheap! This is for one reason and one reason alone young and new drivers are a bigger risk to insure than the average car driver. Newly qualified UK drivers are more likely to have an accident during their first year of year of driving than at any other time.

The facts are stark:

Per mile of driving, the risk of an accident involving injury or death is about seven times greater for 17-20 years old than for those aged 40 or over.

Young drivers under 21 are involved in 15% of all car accident deaths.

New drivers make up just 10% of license holders, but are involved in 29% of accidents.

The following tips will help reduce the cost of young drivers car insurance:

1) Take the Pass Plus driving exam. This is an intensive training course that aims to make new drivers better drivers. Successfully pass the Pass Plus and you will receive a discount of up 35% off your car insurance. The Pass Plus costs around £100 but given the high cost of car insurance it a still a worth while investment. Ask your driving instructor for details.

2) Volunteer to pay a higher excess. Insurers will insist on a minimum amount that you have to contribute to any car insurance claim. The standard amount is £100. As new and young drivers if you volunteer a higher amount you could save on your car insurance premium.

3) Pay your car insurance annually. It is cheaper to pay your years car insurance in one lump sum rather than in monthly installments. Most car insurance companies charge interest of around 15% APR (some up to 30%) to allow you to pay your premium in monthly installments.

4) Adding a named older driver to your car insurance policy, i.e. your parents, can save you 10% on your insurance premium. Likewise, avoid having younger named drivers on your policy.

5) Enhance your car security. Thatcham approved car alarms are recognized by all insurers and most will discount your premium if you have these fitted. If you have a garage then use it. Your car is less likely to be stolen from your garage or from your drive than if it is parked in the street. Insurance companies will recognize this and offer cheaper premiums.

6) Buy your car insurance policy online. Most car insurance companies offer a discount if you buy online via their web site.

7) Be born a woman. Car insurance for women is cheaper. Why? Because the average female is a safer driver than the average male.

According to the Association of British Insurers it is possible to save 35% on a car insurance premium by simply comparing several insurance companies against each other. As young drivers such a discount can be considerable. So get as many insurance quotes, online or otherwise, as you can. It will save you money.

There’s nothing like the word “perk” to make us perk up our ears. We’re taught from a very young age to look for the perks in everything, and to always take advantage of the chance to add a little extra value to whatever we’re spending our money on. Why, then, do so many people say no to the perks that go hand in hand with their car insurance policy?

Believe it or not, there are actually tons of perks that go hand in hand with the average car insurance policy that most drivers never take advantage of for one reason or another. Let’s take a look at those perks, and why ignoring them is one of the worst choices you could ever make!

RENTAL INSURANCE

If you were out of state and you happened to get in an accident, what would you do? Would you patiently ride with the tow truck to the garage, wait for them to check in your car then take a cab back to your hotel, only to spend the rest of your vacation either paying a fortune in cab fares or pacing the floor of your hotel room because you don’t have anywhere else to go? That’s no way to spend your time. Unfortunately, renting a car for the rest of that vacation doesn’t come cheap.

This is where your car insurance company comes into play. Many car insurance companies offer rental insurance along with their standard insurance policy at very little extra cost. With that rental insurance you can afford to rent a car for the rest of the time that your car is out of commission instead of being left scrambling while you wait for the mechanics and the insurance appraiser to catch up.

EMERGENCY ROADSIDE ASSISTANCE

It started with AAA, but it didn’t stop there! Emergency roadside assistance is something that every driver needs at some point or another, and since purchasing that assistance from companies like AAA has become so popular many car insurance companies have started lumping it in with their regular insurance packages. With emergency roadside assistance you’ve got someone to call when you’re locked out of your car, you’ve run out of gas or you’ve got a tire that needs changing, and you’re usually covered for (x) miles of tow assistance without any additional costs.

ADDITIONAL MEDICAL INSURANCE

One of the biggest bills that you’re going to have looming over your head after an accident is medical care. If you have health insurance through your job or your partner it’s not that big a deal, but if you don’t it can turn into a major problem. (Especially when you consider the fact that most emergency rooms charge you $500 or more just to step in and say hello!) With additional medical insurance through your car insurance company you’re insured against the bills resulting from your accident, and you can put the money in your savings account to use doing more important things.

Like picking up another set of wheels.

With all of these perks just sitting at their fingertips, why would anybody say no? Some people are afraid of the additional costs. Some people just don’t think it’s necessary. Some drivers have all of these services through other providers. Whatever the case, before you say no out of hand take a second to see what your car insurance provider has to offer. You might be surprised at just how easily you can make those perks work for you.

It’s that time again. Your car insurance is coming up for renewal. Do you just automatically accept your current insurer’s quote, or do you shop around? The former may seem the quickest and easiest option, but the latter need not be a time consuming exercise as you can go online and compare the different premiums, and policy features and benefits, hassle free.

Automatically renewing your motor insurance without first looking to see what other options are available is common, and often, costly mistake that motorists make. Many assume that they will be rewarded for their loyalty by staying with their provider for another year, but this isn’t simply the case. By taking out a few minutes to shop around for your insurance, you could save yourself quite a bit of money.

So, what are the benefits of shopping around? Certainly, comparing what each car insurance policy contains along with the cost is essential if you are to get a quality product and one that meets your needs. But by shopping around online for your car insurance, you can also access internet only deals or discounted deals.

You can also get a broader view of what is available in the motor insurance marketplace, without having to ring up several brokers or insurers, or wear out your shoe leather visiting the banks in your High Street for a quote.

If you just stay with the insurance provider year after year you could well be paying over the odds for the premiums. So always compare the insurance when it becomes renewable.

One thing to look out for – apart from the price – is to see how many ‘freebies’ are thrown into the cover. This is because, often, what the cover entails will vary greatly between insurance companies.

Compare the motor insurance policies on a like for like basis so you get a true reflection of the costs. Eg. Don’t try and compare one quote for fully comprehensive insurance against one for third party, fire and theft cover.

Some may offer free legal assistance cover, others may not. Check to see if you will be financially penalised for paying your premiums monthly by direct debit rather than in one lump sum.

Check that each is quoting you the price based on the same excess – the excess is what you pay towards the cost of a claim before the insurance company will step in. It is worth noting that if you elect to pay more than the standard excess, you may get your insurance premiums cheaper.

Looking for your car insurance online not only allows you to seek out great savings on motor cover but also provides all the information needed for you to get the right policy for your needs. However, you can always use the services of an online specialist car insurance broker to do the comparisons on your behalf. This will mean that you have to spend even less time worrying about buying your car insurance and more time enjoying the savings you have made!

Thanks to the Automobile Insurance Cost Reduction Act, New Jersey drivers are able to buy a basic car insurance policy in New Jersey – and what’s cheaper than purchasing the most basic car insurance policy available?

The Automobile Insurance Cost Reduction Act makes it possible for drivers to get cheap car insurance in New Jersey by offering them a policy even cheaper than the standard car insurance policy. The basic car insurance policy includes personal injury protection of $15,000 per person, per accident, and $250,000 per significant or permanent injury. However, the latter depends on the policy definitions. It also includes property damage liability of $5,000 per accident.

Bodily injury liability isn’t included in the basic insurance policy, but it’s an option. If a policyholder chooses to add bodily injury liability, the policyholder will have $10,000 for everyone, per accident.

Uninsured motorist and underinsured motorist coverage aren’t available with the basic car insurance policy, nor is collision coverage or comprehensive coverage. However, collision coverage and comprehensive coverage can be added on, depending upon how the basic car insurance policy was issued.

As you can see, the basic car insurance policy in New Jersey, although it’s the cheapest car insurance in New Jersey, offers very minimal coverage; however, it does offer important coverage, as well as additional features. Those drivers with the basic car insurance policy in New Jersey have the right to take legal action in the event of a motor vehicle-related accident, whereas those drivers without any insurance don’t have that right.

The basic car insurance policy isn’t for everyone. Those drivers who choose to obtain cheap car insurance in New Jersey by purchasing the basic car insurance policy should do so only if they don’t have much family responsibility, they are just starting out in the work force, it is the first car insurance policy they’ve ever purchase, or they can’t afford any other car insurance for whatever reason.

Rev Up Your Car Insurance and Get the Best Car Insurance for Your Hot Rod Machine

The best car insurance for your classic rebuilt hot rod roadster may not be the best car insurance for your buddy’s highly modified nitro-burning hot rod for weekend drag racing.   Classic car insurance has rules, and hot rods like to break the rules.  Specialty car insurance keeps your hot rod following the rules – even with a beefed up hemi.

Drag racers and classic car show enthusiasts can find the best car insurance for their car and driving habits in a specialty car insurance company.  Insuring your hot rod or street rod under a standard policy is like selling your Chevy big block engine for scrap metal. It’s real easy to call up your insurance company and throw your hot rod onto your policy as an additional car.  The price might be beefed up a bit if your hot rod has a powerful engine and few modern safety features, but it’s still affordable to keep you legal.  But it won’t protect your car, and your expensive hot rod investments will fly out the window at record speed.

If you get rear-ended by a near-sighted 80 year old backing up at a car show, or if your fellow dragster gets a little too close, you will not get the full value of your parts, your paint job, or the monies needed to make repairs if you are under a standard car insurance policy.  You will also likely be stuck having to use a mechanic that has had limited experience with hot rods and customized cars.  Getting the best car insurance for your hot rod through a specialty car insurance company will give you the value of your parts, cover the price of the specialty paint job, and let you choose who makes the repairs.

Modified cars are tricky to insure, but shopping around for the best car insurance gives you a fighting chance to recoup some money.  If you have an older classic hot rod that is primarily used for car shows, photo ops, leisurely drives or parades, you’ll find that collector’s classic car insurance is the best car insurance to protect the financial investment in your car.

However, if your hot rod is revved up for some serious drag racing with blown alcohol systems, parachutes, or has been modified with lift kits, you may be denied coverage under classic car insurance.  In this case, racing specialty car insurance can cover your needs, and may even be arranged to cover you on a temporary basis.

The best car insurance for your classic hot rod or your racing street rod is specialty car insurance if you care anything about replacing your car or car parts.  Shopping for the best car insurance for your hot rod can protect your financial investment and keep you following the rules so your claim will be covered.  With specialty car insurance, you can start rebuilding your hot rod instead of crying over scrap metal prices.Looking for the best <a
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Car insurance is essential for any driver. According to law, all drivers must have the necessary insurance in place, in the event that damage is caused to another car or are involved in an accident resulting in injury.

There are many different types of car insurance available, so it is worth familiarising yourself with each one before making your final decision.

The first and most basic type of car insurance is Third Party Only insurance. Third Party Only insurance does not cover you against damage to your own vehicle, but should protect you against liabilities to any other parties involved in an accident. Although it is often the cheapest option compared to most insurance policies, many car owners are not aware that this does not cover you against other problems, such as fire and theft.

The solution here is to choose Third Party Fire and Theft insurance, which will cover you both for liabilities to another party, as well as fire or theft damage to your own car. Whilst this is an improvement on basic Third Party Only insurance – in order to be protected against accidental or intentional damage to your car you will need to choose a comprehensive insurance package.

No Claims Bonus policies have grown in popularity over the last few years. A no claims bonus car insurance policy generally rewards drivers for every year that they do not claim on their insurance – by lowering their premium. Depending on your insurer, it is possible for your car insurance policy to include an additional bonus period usually after four years. Once this period is reached drivers are allowed to claim twice during a three-year bonus and still retain their no claims benefits.

Breakdown cover is not something that is typically covered in standard car insurance policies. While many drivers choose to get breakdown cover with a separate company, many insurance companies can include this within your policy as an additional extra. Legal cover is another one of the many additional add-ons insurance companies provide, which tends to vary depending on your insurance policy and company.

Of course, there are many more things to consider when you compare car insurance quotes but these are some of the most common factors to a car insurance policy. From basic policies like Third Party Only cover to additional extras like breakdown cover, it is always worth familiarising yourself with the different options before making a final decision.

Using you car when travelling abroad can be a great way to explore a new country. The freedom to go where you want, when you want offers unrivalled opportunities to experience new places and cultures.

If you decide to do this using your own car rather than a hire car there are several important steps you need to take to avoid the problems and pitfalls associated with driving outside of the UK.

The most essential step you need to take is securing the right type of car insurance. The vast majority of car insurance policies offer some level of protection as standard when you are driving abroad. Sadly this is not enough, often the cover only equates to third party insurance. These policies do not provide any cover for yourself and you risk being left out of pocket in the event of an accident of theft of the vehicle.

Before embarking on such a trip it is vital to check with your current insurer what level of cover they offer you when driving abroad. Some policies will come with comprehensive cover but in most cases you will need to purchase add-on insurance.

This can usually be taken out for up to 30 days travel and provides a far more comprehensive level of cover in the event of accident or theft. Ensuring you have the right level of motor insurance for driving abroad provides great peace of mind and allows you to relax and enjoy your travels.

If you do need to purchase car insurance for driving abroad there are two main options open to you. You could simply purchase add-on insurance for a one-off trip. However if you regularly drive in foreign countries it could be cheaper to take out a car insurance policy that offers this cover as standard.

In addition to securing the right level of car insurance also remember to give your car a thorough service before you leave to help avoid any mechanical issues.

It is also advisable to research the driving laws of the country you are visiting and familiarise yourself with the route you plan to take. If you are not a confident navigator a satellite navigation system could be a worthwhile investment.