Categories
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.

Photo: Free image by Pixabay
Categories
Travel Insurance

Tips for finding the best travel insurance deals

If you’re going on holiday abroad, you need travel insurance. Many people put off purchasing travel insurance because they think it is expensive and that they are unlikely to use it. However, travel insurance is an essential part of any foreign holiday – you shouldn’t leave home without it!

To help you find some better deals, here are some of our tips on getting cheap travel insurance.

Use comparison websites

Comparison websites, like our own, will help you find the best deals out there. You’ll be able to compare different deals and find the most suitable company for you.

Decide on the cover that you need before looking

Make sure that you write down exactly what you want your insurance to cover and look at all of these aspects in detail. For example, cover for an electronic item might have a big excess, so it may not actually cover your phone. If you have a really good idea of what cover you will need, it will make looking at our price comparison website much easier!

Think about eliminating some activities

You may be tempted to purchase cover for certain ‘risky’ activities. These could include SCUBA diving, skydiving, or mountain biking. Carefully look at what sports are included in this insurance bracket, and think about if you will really be doing them. If the answer is probably not, then you could eliminate them from your insurance package and get a cheaper deal. However, if you are not covered for them, this means that you will not get any medical help if you change your mind and decide to do any adventure sports.

Consider what you are already insured for

Your valuables may already be insured under home or contents insurance, or the home and contents insurance of someone that you live with. Make sure that you have a good understanding of what is already covered before you decide to buy.

If you are savvy and only insure what you need, you will be able to get a much cheaper seniors travel insurance! If you’re going on holiday, you need insurance, but it doesn’t have to cost a fortune.

Photo: Free image by Pixabay