Categories
Car Insurance

What are the different levels of car insurance cover?

We find that many people become confused when trying to compare cheap car insurance near me. Before you attempt to sift through the large number of insurance companies trying to offer you the best deal, it’s important to know the difference between each level of cover. Here, we tell you everything you need to know:

The three variations of car insurance are:

• Fully comprehensive insurance
• Third party fire and theft insurance
• Third party insurance

Third party insurance

This is the minimum level of insurance that is legally required to drive in the UAE. However, you should be aware that if you are only choosing to invest in third party insurance, your cover will be the most basic. This type of insurance only covers damage that you may cause to someone’s property, or compensation for any injuries. Therefore, everyone is covered other than you. If your vehicle has sustained damage from an accident, you won’t be covered. This also applies to issues that aren’t self-caused, such as your vehicle being stolen or damaged by a fire.

As you’d expect, third party insurance used to cost less than other options. However, they are now often the most expensive. While we may recommend this to those owning an older, less valuable car, it is often more cost-effective to look for other insurance, and this will also reduce your level of risk.

Third party fire and theft insurance

This offers an extra layer of protection than third party only, as you’ll also be protected if your car is stolen or damaged by fire. Again, this tends to be more expensive than fully comprehensive insurance, and is more suited to older cars. If you have a new, top of the range vehicle, you don’t want to risk not being covered for accidental damage, which is much more common than theft or fire.

Fully comprehensive

This is the greatest level of insurance cover. With fully comprehensive insurance, you’ll be covered for any damage to other vehicles, and your own. You’ll also be covered for thefts, fires and accidents. Historically, this was the most expensive, but nowadays, full comprehensive insurance tends to offer the cheapest quotes. However, you should be aware that your insurance quote will vary depending on a number of other factors, and it’s always a good idea to explore your options before deciding to commit to one.

You can do this with us at Compare Insurance. For more information, don’t hesitate to get in touch.

Photo: Free image by Pixabay
Categories
Car Insurance

What’s the best way to find very cheap car insurance?

If you’re looking for very cheap car insurance, you might think your options are limited. But you don’t have to waste your time going from insurance company to insurance company trying to find their lowest car insurance policy offer – if you use a comparison tool you can get a range of the cheapest possible car insurance quotes for you in mere minutes.

If you need cheap car insurance, you’ll find it using a comparison tool.

How do comparison tools save you money?

A comparison tool works very simply – you start by making your application in the normal manner, by giving your personal details and details of the vehicle, as well as the kind of insurance cover you want. The tool then gets multiple quotes from a range of insurance providers to give you that level of coverage. That means you end up in mere minutes with a list of quotes that you can filter any way you like – so it’s easy to see who is offering you the best possible deal.

Online insurers tend to be able to cut costs compared with brick and mortar insurers because they have less expenditure. A customer-facing aspect of the business can be expensive to maintain. So by consolidating their business to online coverage, they’re able to make a host of savings and pass them onto their customers that traditional insurers can’t.

Does cheap coverage mean bad coverage?

The simple answer is no! Cheap car insurance can take any form you like when you use a comparison tool, you can tailor your coverage to suit your individual requirements, needs, and driving style. Everyone’s circumstances are different, so the right insurance package for you will be completely unique. Finding it online allows you to build your coverage your way.

That means you’re only paying for the coverage that you really want, and need. That’s why using a comparison tool to find your next car insurance quote makes so much sense. Simply make your application today through a specialist website such as Compare Insurance and you’ll find a broad range of cheap car insurance quotes tailored for you!

Photo: Free image by Pixabay
Categories
Car Insurance

How to get cheap car insurance online

Anyone who uses a car will need car insurance. This is a regular payment which can be a major expense for many people, as well as being time-consuming for owners to set up. There are many different policies out there, often with wide-ranging costs, so how do you ensure you get the best deal for your money? Our experts at CompareInsurance.ae know all the tips and tricks and want to share them with you!

1. Choose a cheap car to insure

If you are looking to buy a new car but are worried about the insurance costs, then take a look at the average insurance costs of cars before you buy. Cars that may be at the same sale price point may have hugely different insurance costs, so always check with an insurance broker before buying.

2. Pay in one go

You will often get a choice of whether to pay your insurance in one lump sum or in monthly instalments. Paying the whole cost in a single go will often reduce the total amount you need to pay, as your insurance company won’t charge any interest on monthly instalments. If you have the funds, then paying upfront is always best.

3. Reduce annual mileage

If you limit the amount that you are on the road, it stands to reason that your insurance premiums will be reduced. Insurance companies analyse your time on the road through annual mileage, so a lower annual mileage will lead to a lower insurance cost. Make sure you are realistic with your mileage claims, though, as if your provider finds out that you weren’t accurate then there could be problems further down the line.

4. Check the extras you get

Different insurance premiums will have different benefits, including windscreen cover, breakdown cover and the use of a courtesy car. All of these will increase the costs of your insurance premium, so it’s well worth thinking about whether you really need to be paying for these benefits.

To compare car insurance, speak to our motor insurance specialists via our online chat or Whatsapp. Our staff are always ready to help you save money, so take a look today!

Photo: Free image by Pixabay
Categories
Car Insurance

Why does your profession affect your car insurance?

You’ll need to submit information about yourself when hunting to buy car insurance online. This includes detailed such as if you’re married and whether you own your own home. You will also be asked about your profession. You might well ask: why does it matter what you do for a living or what industry you work in? However, the answers you give can actually be vital for determining how much you can expect to pay for your cover. Let’s have a look at exactly why your profession affects basic car insurance.

Use

Your job tells providers quite a lot about what you’ll be using your car for. Just some of the assumptions they’ll make include where it will be parked and what hours you’ll be working. This is very important for them to know, especially because they can marry it up against pre-existing data on when and where car accidents are most likely to happen. If it’s determined that you work in a profession where you’re more likely to have an accident – and therefore make a claim against your insurance – then you can expect to receive a higher quote.

Reliability

Rightly or wrongly, car insurance providers make assumptions about your reliability based on your profession. It’s not necessarily fair, but it’s just one of the factors that will be taken into account when determining your quote. Different providers will rank different professions in their own unique way, so it’s hard to say which jobs will make a quote go up and which ones will make it go down. A general rule is that you can expect to pay a higher amount if you’re unemployed. If you aren’t truthful when declaring your profession then it might invalidate your insurance in the event of an accident.

Be sure to shop around

If you are concerned that your profession will push up the price of your car insurance then you need to shop around to get the best deal. You can do this easily by using Compare Insurance, a service which will bring up multiple quotes from different providers for you to choose from.

Photo: Free image by Pixabay
Categories
Car Insurance

Why does your annual mileage affect your car insurance?

There will always be a number of factors which will affect the price of your car insurance. This includes your age, profession and the vehicle that you will be driving. The majority of providers will also be interested in your annual mileage when determining your quote. This is the number of miles that you will – or think you will – be covering in the space of one year. The question is: why do the providers want to know this and why does it affect your ability to get your hands on third party car insurance? This is what you need to know.

Time on road

Your annual mileage will give insurance providers a rough idea of just how much you intend to use the car to determine the average cost of car insurance. This then helps them to determine the likelihood that you could be in an accident. Take, for instance, if you do a 40-minute commute to work each day. Due to the fact that you’ll probably be spending upwards of an hour on the road, it becomes more likely that you’ll be in an accident compared to someone who might only do a 10-mile commute and therefore only find themselves on the road for a shorter time every day.

Condition of car

You should know that your car becomes more worn with each mile it’s on the road. This happens in numerous ways, but generally, there’s an increased risk of damage to the engine and tyres when a car is readily used. Therefore, insurance providers tend to presume that someone who racks up a lot of miles in one year is more likely to be in an accident due to the fact that their vehicle will be less reliable. This won’t always be the correct assumption to make but it’s still how providers decide upon quotes.

What can you do?

You can still find cheap car insurance even if you’re planning on having an unusually high annual mileage. The trick is to make sure that you’ve weighed up all your different options by comparing insurance quotes. This will ensure that you don’t have to fork out more money than necessary to get your car insured.

Photo: Free image by Pixabay
Categories
Car Insurance

Don’t wait to buy your car before checking car insurance quotes

It tends to be the case that people will only start looking up car insurance quotes after buying a vehicle. However, what most people don’t realise is that it’s actually in their interest to have different providers in mind before they part with their cash. This is something to consider if you’re in the market for a new motor but want to have a clear picture of how much you could be spending on car insurance. Let’s look at three reasons why you shouldn’t wait to buy a car before checking car insurance.

Budget

You’ll have a much better idea of how much you can spend on your car if you know roughly how much it will cost for car insurance. Take, for instance, if you can find a provider that will provide save money car insurance for you. Once you’ve got this knowledge, you should then have a much better idea of your budget. It could even mean that you’re potentially able to go for a newer or better-conditioned model.

Categories

You might think that the price of your car insurance will largely depend on such things as your age and experience. However, the sum of your insurance can also depend greatly on the type of vehicle you choose. Cars fall into different insurance categories depending on details such as the make, model and engine size. Once you find a car, you should compare different insurance quotes to check how much your desired vehicle affects the price.

Speed

The process of buying a car will run much smoother if you’ve priced up the insurance before purchasing the vehicle. In some cases, you can simply accept a pre-existing quote before driving off the forecourt. This should mean that you can start enjoying the open road as soon as you’ve got a car rather than only then having to start your search for cheap car insurance.

It starts now!

You can start checking out the price of car insurance by using Compare Insurance. This should help you to narrow down any vehicles that you might be choosing between and ensure that you’re good to go from the moment you’re the owner of the car.

Photo: Free image by Pixabay
Categories
Car Insurance

Why it’s important young drivers find cheap car insurance

It’s always handy to secure cheap car insurance. However, there are additional benefits for those who are young drivers. This includes those who might have only just learned to drive and are looking to get out on the road for the first time. In particular, many teenagers would fall into this category. Let’s look at why it’s so important for young drivers to find cheap car insurance.

Staying responsible

Sadly, expensive car insurance only increases the likelihood that young drivers might neglect their responsibilities as a car driver. After forking out so much on the insurance, modifications – such as having the car serviced and keeping in a good condition – might fall on the backburner. This is a terrible habit for young drivers to fall into, especially since it risks the safety of other road-users – not to mention their own safety too! Meanwhile, cheap car insurance allows them the ability to stay responsible and keep their car in great condition.

Gaining experience

Car insurance is the first hurdle that young drivers have to jump before getting onto the open road. Therefore, it doesn’t bode well if they end up paying an unnecessarily extortionate amount. The cost might reduce their ability to be able to run the car because they can’t afford fuel. In the long-term, this means that they aren’t able to get the continued experience that will make them better drivers and less likely to be in an accident.

Financial stability

More expensive car insurance providers won’t just leave young drivers with a hole in their bank accounts but also risk thrusting them into a position of financial instability. Of course, this comes at a time in their lives when a lack of money might be particularly restrictive for their future – including taking certain jobs and pursuing educational opportunities. Of course, these are unnecessary sacrifices to make when you consider that it is possible to obtain cheap car insurance.

What can you do?

The most effective way to secure cheap car insurance is by using Compare Insurance. This service can benefit all road-users – from more experienced drivers to those new to life behind the wheel. Check out our site for more information.

Photo: Free image by Pixabay
Categories
Car Insurance

3 surprising ways cheap car insurance can make you LESS likely to have an accident

There’s something very exciting about the prospect of finding cheap car insurance quotes. After all, who doesn’t love the idea of being able to safely run a vehicle and have a little extra cash in their pocket? However, the perks of cheap auto insurance actually stretch much further than just saving money. Instead, the fact that you’ve got it can actually make you less likely to have an accident in future. You might well ask: how is this possible? Well, let’s look at three thee ways cheap insurance can assist you in staying safe on the road.

Relaxation

The fact that you’ve managed to get your hands on comprehensive car insurance will be just another reason why you’ll be able to fully relax on the road. This is because you’ll be able to appreciate the joys of driving – rather than constantly worry about how much it’s costing you. Don’t forget, the more you’re able to relax and focus solely on the road means the less likely you are to lose your concentration and be in an accident.

Motivation

Sometimes there’s just no better motivation to drive safely than wanting to keep the cost of your car insurance down. Of course, if you’ve managed to get your hands on cheap insurance then you’ll know just how amazing it feels to have it – and this will just be added motivation to be extra safe on the road so that you can keep paying the same amount – or less – in future. Here are three reasons cheap car insurance can actually make you less likely to have an accident.

Updates

Due to the fact that you’ll have more money in the bank, you should find that you’re more financially equipped to make modifications to your car when necessary. This might be by having air routinely pumped into your tyres or by updating your brake pads when they start to deteriorate. It might seem obvious that you should be investing in these things anyway, but such features often fall on the back-burner when drivers have forked out huge amounts for car insurance.

Let us help

You can find compare car insurance by using Compare Insurance. Be sure to use our service to see the difference between providers and the competitive rates they offer.

Photo: Free image by Pixabay