Friday, July 1, 2011

Best Ways to Compare Car Insurance Rates UK

12:55 AM |

If you own a vehicle, you know that it is required by law for you to have basic car cover in the UK, but it is up to you to decide if you want a more comprehensive plan. Obviously, a comprehensive plan will pay more in the event you have to file a claim.

On the other hand, when you have a comprehensive plan, you will pay more in premiums whether or not you ever use the benefits or not. Although, if you choose to have third party only cover and you are in an accident whereby your own vehicle is not covered, then you might wish you had comprehensive cover!

Many people choose to go with the basic cover simply because it is cheaper premiums but this is not always the wisest choice to make for many reasons.

First, if you are a young driver without a lot of experience, a more comprehensive plan, even though it will cost more in premiums is probably best suited for you because inexperienced drivers typically have more accidents. Secondly, if you own the vehicle and it is being financed through a banking loan, you definitely want to have comprehensive cover in order to protect your vehicle and the other driver if the other person is uninsured.

Moreover, if you have to have comprehensive cover, it is wise to shop around for the best rates because they do vary depending on who the broker is and what access they have to the different companies that supply the cover. There are ways to reduce the cost of your premiums now simply by adding security features to your car, but you should find out from a knowledgeable broker which security devices get you the greatest discounts. You certainly do not want to waste money adding security features that will not gain you any credits or discounts on your current premiums.

You will want to investigate car insurance comparison rates from many different companies. The best way to accomplish this in as little time as you can is to check online quotes. This way you can compare a lot of plans at the same time and find the cheapest rates possible regardless if you are looking for basic cover or a more comprehensive policy. You can save when you compare different company’s rates. You never are required to take the first rate offered to you, that is the beauty of the Internet, it allows you to make intensive research in a very minimal amount of time.

When you have your car insurance comparison rates, look over everything that is included and what is and is not covered. Remember, you can always increase those things that are included or add other items to the plan in the event you need or want specific cover in the plan that is not automatically included.

Finally, when you decide on a couple of policies from your car insurance comparison list, phone them and ask them to explain the policy further and then you can ask them any additional questions you may have before purchasing the insurance you need.

For further inforamtion and car insurance comparison quotes visit

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