When it comes to cheap car insurance companies, there are any number of myths and misconceptions that you’ve likely heard, and so it can be difficult to know what is fact and what is a fallacy.
So, with that in mind, here are 4 things you need to know about car insurance to ensure you are able to get the best deal possible.
1. There are a number of factors that will determine insurance prices
As well as judging the quality of your vehicle, its age, how often you use it and your driving history, there are a number of other factors that will determine how much you pay. These include things such as your age and marital status, the area in which you live, your credit history, and potentially even your gender (although this is not always the case).
2. There are options available if you want to pay less
When it comes to car insurance, you always have the option to pay a little less, although this will often come at the expense of what is covered. However, some companies have schemes in place that will offer discounts to careful drivers, or for those that travel infrequently, so seek these out before making a decision on your insurance.
3. If you drive your personal car for business, you need to purchase the right insurance
It is absolutely worth highlighting that nearly all policies will actively exclude the option to drive a personal car for a business purpose (pizza delivery or messenger service, for example). In fact, some companies will even cancel a policy should it be discovered that a driver is doing this. If you are doing this then there are insurance options available, but you need to be open and honest upfront.
4. Insurance is for the car, not the driver (in most cases)
The general rule of thumb is that insurance is for the vehicle, not for the driver of the vehicle. Therefore, if a friend or family member drives your car and has an accident, generally you will be able to claim on the insurance. However, it is well worth checking this, because rules change from company to company.
To find the best commercial car insurance deal for you, get in touch with us today and we’ll help you compare the offers available.