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Car Insurance

Do I need a broker for car insurance?

Purchasing car insurance can be overwhelming from the outset. You have to shop around for the right insurer, compare quotes, and choose the type of coverage you need, which can be difficult. That’s why many people opt to hire insurance brokers to offset the headaches and stresses involved with finding car insurance.

But do you actually need one? Before diving in, let’s look at what an insurance broker does.

What is an auto insurance broker?

Generally, this is a licensed professional that guides you as you look for your policy. They help with numerous aspects, from finding the cheapest rates to the best combination of good coverage within your budget.

Car insurance brokers work with multiple carriers instead of a single carrier. So, you don’t have to worry about them selling you on one specific policy, even if it doesn’t work for you. Instead, they try to understand your options and what you’re looking for before helping you compare and choose insurance policies.

Do you need one?

You don’t necessarily need an insurance broker to find a policy that’s right for you. Why?

First, in the modern era of easily accessible online quotes and comparison websites, you can simply buy insurance without using a middle man. All you have to do is perform a quick online search to find various providers and ask for quotes.

Second, since you have to pay insurance brokers a fee for their services, you end up spending more than required, stretching out your budget. Granted, you may spend less overall if your broker saves you money on your policy every year. However, this isn’t guaranteed.

Lastly, there’s no need to use a broker if your insurance needs are simple. For example, if you have a clean driving record and better credit, searching for insurance is a walk in the park. An insurance broker is often more useful to individuals or businesses with complex needs, e.g., an unusual driving history.

Ready to find car insurance

Save time and money today by comparing car insurance using Compare Insurance to get car insurance quotes. Whether you’re looking for comprehensive or collision coverage, we can help you find the cover to suit your needs.

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Car Insurance

Your car insurance provider dropped you, now what?

Many policyholders maintain coverage with the same insurer for years without feeling the need to shop around for better options. While there’s nothing wrong with this, what happens when your carrier drops you from your policy without much notice?

First, it’s vital to understand exactly why your car insurance was cancelled to know what you need to do moving forward to get the right coverage.

Why your car insurance dropped you

There’s a wide range of factors that can cause your insurer to drop you. These include:

1. Non-payment of your premium

Car insurance works in the same way as your electricity or cell phone bill. If you don’t pay it, you’re cut off. Some insurers offer a grace period for payment but continued delays will result in carriers cancelling your policy.

2. Fraudulent behaviour

Submitting false information when enrolling for a policy or filing for a claim is frowned upon by insurance companies. The fraud doesn’t have to be elaborate to count. Simply leaving out essential information can lead to policy cancellation.

3. Modifying your car

Making changes to your vehicle, whether functional or cosmetic, without informing your insurer can result in them dropping you.

4. High-risk driver behaviour

If you’re always involved in traffic violations and road accidents, your insurer might drop you as they consider you too high a risk to cover.

What to do after your car insurance drops you

Being dropped from an insurance policy isn’t the end of the road because you do have options. However, never purchase the first option available to you. You may end up getting inadequate coverage or costly premiums.

Instead, compare insurance costs and benefits from different providers to find one that meets your budgetary and driving needs. Don’t operate your vehicle during this time, as you’ll have to pay for damages out of pocket if you get into an accident.

Additionally, be honest on your insurance application as to why you were dropped from coverage. This ensures you can find the best rates and discounts.

Are you ready to find your new insurance provider? If so, browse our site to compare insurance quotes from various carriers and comprehensive auto insurance today.

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Car Insurance

Three questions to ask before getting car insurance

Finding cheap full coverage auto insurance for you can be challenging and confusing. There are a lot of different types to compare and, often, a lot of different prices to wade through. So, here are three simple questions to ask to help you pick the best car insurance for you:

1) What are you using your car for?

When looking at how you use your car, there are usually three different options to consider: domestic, commuting, or business. Domestic simply means using your car for non-work related purposes. Commuting means you will be using your car to get to and from work, which can mean your insurance will be slightly higher as it’s likely you’ll be travelling more often and potentially during rush hour. Finally, if you are using your car to travel to meetings, to deliver goods or for other work-related activities, that is classed as using your car for business. How you use your car also may have a bearing on how many miles you travel per year, which will also impact your car insurance quote.

2) How much cover do you need?

Another important question to consider is how much cover you need from your car insurance. You can choose between comprehensive, which is the highest level of cover, or third party, which is the minimum legal requirement. Comprehensive cover costs more than a third party policy but it covers you and the damage you may cause to other motorists. In contrast, third party cover only protects other motorists. Comprehensive cover can also cover medical expenses, fire damage, theft, and repairs.

3) What is your budget?

Last but not least, determine what your budget is before you try and choose your car insurance. Different levels of cover will cost different amounts, so it’s best to determine how much coverage you need or can afford. There are a few ways you can try and reduce the cost of your car insurance, so there is a way to find car insurance to suit your budget.

The best way to make sure you find the right car insurance for teens for you is to compare your options. Our handy comparison tools and team of experts will be able to help you pick the best choice in no time.

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Car Insurance

What you need to know about car insurance for new drivers

There is nothing like the exhilaration of finally passing your driving test and knowing that the roads are your oyster. The thrill of searching for your first car of your own is an exhilarating feeling. However, the ecstasy can be tempered when considering the costs that may be associated with the best auto insurance companies for new drivers.

As newer drivers tend to be considered more of a risk by insurance companies, car insurance premiums can be higher for those who have only recently passed their test. Younger drivers under 25 may also find that premiums are higher than for older drivers who have just passed their driving tests. Furthermore, new drivers will not have been able to build up a No Claims Discount, which would otherwise reduce their premiums.

So, what are some ways to find the best deals on car insurance for newer drivers?

Opt for a car that is less expensive to insure

Some cars are more expensive to insure regardless of how long you have been driving or the age of the driver. Before you purchase a car, use a comparison site to check the potential costs of your insurance premiums.

Choose black box insurance

A black box is a small device that is installed in a car and monitors the safety of the driving and the amount of mileage done. Generally, black box insurance can be cheaper than other types of insurance and is a great option to consider for new drivers looking for affordable premiums.

Select a larger excess

Most insurance policies come with a standard excess which is the amount that you would need to pay in the event of a claim before the insurance company covers the rest of the claim. In choosing a larger voluntary excess, you would have to pay more if you needed to claim but you may also decrease the cost of your insurance premiums, saving money.

Use a trusted comparison site

Using an insurance comparison site can help you to find the best deals for you. This will allow you to find an affordable quote that ticks all the right boxes in what you are looking for. With a range of options to choose from, a comparison site makes it significantly easier to select the type of insurance that you want within your budget.

For all your insurance comparison needs, please visit us at Compare Insurance and insure my car.

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Car Insurance

Top tips to find the cheapest car insurance

Car insurance is a significant financial cost each year, however legally you cannot drive a car without holding the required insurance. Although, it is possible to compare quotes to ensure you benefit from the cheapest price for the cover you need.

How much will my car insurance cost?

There are many factors that determine the cost of your car policy, from the type of vehicle you drive and your age to your previous driving history. There are many car insurance providers operating in the UAE, with every company calculating the risk of your cover differently. The cost of your car insurance is personal to you, so it is always worth comparing insurers to find the best deal for your specific requirements.

Do not automatically renew your car insurance

Although it may seem easy to accept the automatic renewal quote from your current car insurance provider, you should never accept the price without comparing other alternatives. The price may end up being the best deal available, however, you will never know unless you compare other providers quotes.

In many cases, when you choose to accept the auto-renewal you end up paying an additional amount for the convenience of this. Over the years, this amount can significantly add up and you could save hundreds by comparing and switching to the cheapest deal every year.

Pay for your insurance annually

When you find the best deal, you will be given the option to pay via monthly instalments or with a single monthly payment. Although monthly payments can be beneficial if you are unable to cover the full cost upfront, you will pay additional interest for the privilege.

Consider multi-car insurance for your household

If your household owns more than one car, you may be able to secure a cheaper quote by insuring every car under a single policy. There are some insurers that will allow you to combine multiple car insurance policies, which is likely to work out cheaper than separate covers.

Increase your excess

If you are willing to pay more of an excess charge in the event of a claim, you may be able to secure lower premiums. However, it is important to ensure that you are able to cover the required excess charge.

Compare car insurance quotes today!

We specialise in helping our customers compare auto insurance quickly and easily. To find out more about securing the best car insurance deals, please contact our team today.

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Car Insurance

Finding commercial auto insurance is quick and simple with an online comparison tool

If you need commercial auto insurance, the chances are that you don’t want to waste a single moment trying to find it. Your time is valuable, especially when you have a busy business that you’re trying to manage. Whatever the commercial auto insurance policy you need looks like, you can find it easily and quickly when you use an online comparison tool.

Finding the best commercial auto insurance coverage has never been simpler or faster.

Getting your perfect coverage

Getting the right coverage depends on your circumstances. Commercial auto insurance may be required for a number of different purposes, whether it’s using your personal vehicle for business reasons or arranging insurance on a fleet of commercial vehicles, and everything in between. What matters is that you get the level of coverage that’s right for your needs.

A comparison tool allows you to do just that, by allowing you to tailor the coverage you’re quoted for. When you make your application, you’ll be able to decide the terms of the insurance that you’re applying for. So whether you have a specific amount of coverage that you need, or you are working more to a fixed insurance budget, you’ll be able to find the perfect quote.

The amazing thing about a comparison tool is how quickly you can get premium insurance quotes tailored to you. Within minutes of making your application, you will be able to compare and contrast quotes to find the best ones for your needs.

Make your application today

When looking for commercial auto insurance, don’t be tempted into thinking that you only have a few options. There are so many insurers out there who can offer you a great deal, using a comparison tool is the way to find them.

When you use a comparison tool you’ll save your valuable time, and ultimately get yourself a much better deal on your commercial auto insurance than you would going to the usual insurers. Finding the perfect quote can be done in as little as a few minutes, all you need to do is make your application with Compare Insurance today.

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Car Insurance

Arranging car insurance is easy and fast, so don’t miss out on the car you really want

If you’re looking for a new car, the insurance costs can be daunting. Getting a car quote can be an expensive prospect, and it can keep you from pursuing ownership of the car you really want. The truth is, however, that by using an online comparison tool you can get access to a wide range of affordable auto insurance quotes in minutes!

So don’t miss out on that perfect car – insuring it is easy!

The fear of expensive or time-consuming insurance

Getting car insurance can be difficult, it can be time-consuming, it can be stressful, and of course, it can be expensive. If you’re looking for a particular car, you might be put-off by potentially high insurance costs. The reality is, however, that there are always going to be insurers out there who can insure you for less than you think.

Finding them is the challenge, but thanks to online comparison tools that is one that’s made easy as well! All you need to do is fill in the application to get yourself a range of quotes from the best auto insurance companies.

Don’t miss out on buying your dream car, act now

Another worry can be arranging car insurance in a timely fashion. if you want a quote, by the time you’ve got it that perfect car you wanted may have already been sold. Again this is where online comparison tools come into play, allowing you access to a range of quotes in minutes. This means you can act fast and snag that car you really want.

It doesn’t matter what kind of cover you need, whether it’s temporary car insurance just to cover you for your drive home from picking up the car, or comprehensive cover that keeps you safe day to day. Any kind of cover can be found using an online comparison tool, all you have to do is make your application and filter the quotes any way you choose.

If you want the car of your dreams, you have to act fast when you see it for sale – an insurance comparison tool like Compare Insurance has your back, getting you the quotes you need in mere minutes.

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Car Insurance

Getting regular quotes is the key to cheaper car insurance

Car insurance is essential – if you want to drive legally on the roads, you need good car insurance. Car insurance can also be expensive, however, so saving money wherever possible is always the goal for many drivers. There are lots of ways to save money on your car insurance, but one of the easiest is by making sure you’re getting the auto insurance companies.

Regularly using a comparison tool, like Compare Insurance, can save you a serious amount of money.

Why do you need to shop around?

Many insurance companies rely on the fact that motorists don’t enjoy shopping around for car insurance. Once they have got themselves a quote, they generally don’t want to change it if they don’t have to. This means insurance companies are under no real pressure to keep giving you the best possible deal because they know you’re not going anywhere.

The key to getting around this is by showing that you’re always searching for the best deals. Whether it’s for classic car insurance, comprehensive car insurance, or even just third-party CTP insurance, there is always a better deal to be found.

How easy is it to find new quotes?

You likely have a busy life to live, so you don’t want to spend hours on a regular basis hunting around just to save a little bit off your car insurance premiums.

The answer is by using a comparison tool. A comparison tool allows you to get a number of quotes from some of the largest auto insurance companies in the world, all in a matter of minutes. All you need to do is simply make your application, and wait for the tool to do all the hard work by generating a range of quotes for you – this way, you can see what your options are.

If you have a cheaper option, you can show it to your insurance company and see if they can match it. If not, you know you have someone cheaper to go to when it comes time to renew your premium. Either way, using Compare Insurance saves you money.

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Car Insurance Health Insurance

What actually is a comparison tool, and how does it work?

If you’re looking for a range of quotes for all manner of things, you will likely have run into comparison tools. They are getting more and more popular, and with good reason. Whether you’re looking for auto insurance near me, medical insurance plans, student insurance, or a host of other quotes, a comparison tool can help.

But what is a comparison tool, and how does it actually work to find those quotes?

The basics of comparison tools

A comparison tool operates on a simple principle. The comparison website partners first with multiple providers of the service they are looking to promote. A customer then makes an application through the comparison tool, and the tool then presents that application to the appropriate partners who provide that service.

The applicant then gets a number of responses in return in the form of quotes for the application they have made, ranging in price. Some comparison tools are completely automated and the quotes can be generated instantly, others actually encourage their partners to individually assess each application to provide the best quote.

From that, the applicant can decide which quote is best for them, their budget, and their needs. They accept the quote and the application is already made with the provider, it’s just a case of providing confirmation of details.

What are the benefits?

So now you know the basics of how comparison tools work, why should you use one? The first benefit is that it makes it much quicker to get a range of quotes. There’s no need to make applications with each provider individually, instead, you just make the one application and they will provide you with a range of quotes in return.

The second is that it makes it much easier to compare and contrast the best deal for you. Whether you are looking for specific coverage or you need something that fits tightly within your budget, you’ll find it.

The best way to learn about how a comparison tool can help you is to use one and see for yourself. If you need an insurance quote, try out Compare Insurance today.

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Car Insurance

3 myths about car insurance debunked

Car insurance can be a tricky thing to wrap your head around, so we’ve debunked a list of the top three myths about car insurance to save you money.

1. My premium should stay the same or go down if I don’t claim

In a perfect world, this myth would be true, as every year that you fail to claim, you are building a no claims bonus. However, there are a number of external factors to consider that will affect the cost of your insurance. It’s worth noting that most insurance companies have a maximum no claims bonus, so, after a set number of years, you will stop building a discount. Insurers will also consider your age, so once you reach a particular age, your premiums might increase as you will be seen as a higher risk.

2. If a claim wasn’t my fault, I won’t have to pay excess

If you put a claim forward that was not your fault (for example, if a third party collided into you at a traffic stop), then your insurance provider will usually release your excess if you can prove that it was not your fault and they’re able to claim back costs from the third party. However, you will bear the responsibility of paying your excess upfront, even if you are entitled to a refund later on. It is important for you to select a policy that has an excess that you will be able to afford.

3. Young drivers should get insurance under the name of their parents

It’s no surprise that many parents will want to give their children financial help, which may lead them to consider noting themselves as the main driver on their insurance policy or take out insurance in their name to reduce costs. While this might seem like a good idea, registering for insurance in the name of someone else in order to reduce costs is a form of insurance fraud known as ‘fronting’. This is an illegal practice and can lead to thousands of pounds in fines, penalty points and disqualification.

If you’re looking to compare the best auto insurance quotes, take a look at the rest of our site at Compare Insurance today.

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