So You Hit a Car – Now What?

No driver wants to realize that they’ve hit another vehicle. A collision can be costly, even more costly if you don’t have enough insurance coverage. While many drivers add underinsured motorist coverage to their insurance policies, they’re still going to want to see what your insurance company is going to do before their policy will do anything. That’s the name of the game here.

There are a few things that you will definitely want to do if you hit another car, or if another car hits you.

First and foremost, you do not want to run off — even if you think that no one has seen you hit the other vehicle. This is often the case when drivers hit a car that is parked and they try to drive off. You’re a lot better off admitting that you hit the car and taking whatever comes than running off. For starters, getting caught means that you just committed a hit and run. That can carry stiff fines and penalties, plus it’s a black mark on your insurance file. Once you do it, it definitely sends your insurance premiums sky high. It’s a lot smarter in the long run to actually just admit to the problem. And really, if it’s only a small bump, you’d be surprised at how many times the other driver will just wave you off. They know what it’s like to scrape a door or hit a bumper slightly. Minor damage isn’t really worth the insurance claim.

So the next part here is that you want to leave as much information as you need. Your name, phone number, and policy number as well as insurance carrier is a good start. If there needs to be a police report filed, see that it is indeed filed. This is another thing that you don’t want to skip over. If it’s a major accident, there needs to be a police report. This is one of the first things that the insurance company is going to ask you about, so you need to make sure that you have it.

Another thing that you will need to make sure that you don’t do is admit fault. You will not know whether or not that you’re at fault. Even when it seems like you’re at fault, you might not be. However, if you admit fault then naturally you’re going to take the fall for it. Let the police and the insurance companies make that designation. This mistake has cost drivers a lot of money over the years, so we’re especially cautious about it.

Keep in mind that if you only purchased liability insurance, then you’re going to basically be paying for someone else’s car, but not yours. The only way to actually cover your own car in case of an accident is to get what most people refer to as full coverage. This will be a combination of what you get with liability, but also adding in comprehensive as well as collision coverage. That’s the best way to go if you really want to make sure that you’re taken care of from every angle.

Hitting a car is something that just about every driver has done. It’s costly for all parties involved. That’s why if you can drive defensively and avoid it, you’re going to have much better insurance rates than someone that has been in several accidents. It’s all about risk management after all.

Can you really avoid accidents? Sometimes you can’t. All you can do is just do your best to avoid them by staying alert, staying aware, and staying prepared. Maintaining your car properly and ensuring that everything is working properly is a great way to also keep accidents from happening.

Now is the perfect time to put these defensive driver tips into action, to cut your chances of getting into a costly and dangerous accident!

Car Insurance

Car insurance, also known as motor insurance, is a type of insurance that is used to cover cars and other motor vehicles such as vans, lorries and motorbikes. You can also get motor insurance for specialist cars, high performance cars and caravans.

Like other insurance products, car insurance insures you against the risk of anything happening to your car. Depending on the type of policy you have you can be insured against the cost of repairs to your car if it is damaged in an accident; the cost of replacing the car if it sustains damage and is unfit to drive; or the cost of any liability if you are the cause of an accident. If you own or drive a car in the UK, then you are legally required to have car insurance.


Levels Of Cover

Different car insurance policies provide different levels of cover and it is important to understand what your requirements are before taking out a policy. The three main types of car insurance policy available in the UK are third party only; third party, fire and theft; and fully comprehensive.

A car insurance policy that is third party only covers you for claims made against you by others (known as third parties) for injury or property damage resulting from using your vehicle on public roads. This is the minimum level of cover you can have to meet your legal obligations.

A third party, fire and theft policy increases your level of cover. Not only are you covered for liability arising from injury or damage to others or their property, but you are also covered if your car is stolen or damaged by fire.

Finally, there is a fully comprehensive insurance policy. In addition to covering all the risks covered by third party, fire and theft car insurance policies, a fully comprehensive policy also covers injury and property damage to your car and your passengers. There may be other types of cover included in a comprehensive policy as well, such as coverage for personal belongings.

Car Insurance Premiums

The premiums for comprehensive insurance policies are usually higher than those for third party car insurance policies. For this reason, many people get a third party policy when they first own a car, then move to a comprehensive policy when they can afford to.

All insurance premiums vary according to the age of the driver, the gender (women get better premiums because they are lower risk drivers) and the length of time since making a claim (known as the no claims bonus). The type of car and insurance group also play a part in the equation.

Teen Drivers and Car Insurance Are a Match Made in Heaven – Really!

When your teenagers are learning how to drive, you might have a lot of different emotions running through your head. For starters, you’re going to be pretty worried about your car insurance rates going sky high, but is it really the case? Not always, actually. You see, today’s insurance companies are studying different models of risk management and realizing that one size truly does not fit all. This means that you actually have a lot more leeway to get a good rate than you did in the past. It all depends on your teen.

If you can line up a lot of safety factors on your side, you’ll find that teen drivers and car insurance is truly a match made in heaven. Let’s face it — you’re going to have to get the coverage one way or the other. Without covering your teenagers, they can’t drive. Getting caught without insurance means serious fines, and no one really wants to deal with that. It’s cheaper in the long run to go ahead and get a good policy that covers everything. Liability insurance and teenagers is something that you want to skip over unless the car is really, really old and you can replace it outright. If it’s a newer car then you’ll want to go ahead and get full coverage just to be on the safe side.

There are some discounts that do indeed come with getting a teen driver on your policy. For one if you have multiple cars because of the change, you can expect a discount there. In addition, if your teen is actually a safe driver with good grades, then you’re going to have discounts there. Don’t forget to document safety features, because those can become discount factors as well.

As you can see, nothing is in black and white just yet. You will have some negotiating room with the insurance company because they know that you really do need to get the vehicle insurance. If they don’t work with you, you’ll end up taking your business elsewhere. If you can help it, try to get all of your insurance products under one company — that’s going to save you money as well.

It can be tough to get past the old myth of being unable to afford insurance because you have a teen driver on your policy, but you actually might be surprised at how affordable vehicle insurance can be for your teenager — why not check it out today?

Could Driving Less Be the Key to Saving Money on Car Insurance?

One of the most interesting expenses that we have on our budgets every month would definitely have to be insurance. Specifically car insurance, but we suppose that other types of insurance would be eligible as well. You see, there comes a point where it gets frustrating to pay for insurance.  You’re paying all this money for something that you hope that you’ll never have to use, otherwise your costs go up even more. This is something that we know is frustrating, but the truth is that you are just going to have to suck it up and roll with the punches, you know? We’re not trying to be rude, but the reality is that insurance is here to stay, and you will need to have car insurance in order to make sure that you are legal and safe on the road. The fines for not having insurance are pretty stiff, and with good reason — if you hit someone without insurance, they’re stuck trying to figure out how to repair their lives and their car in spite of your negligence.

Yet today’s question is a little different — what if you’re really not that much of a driver? Should you still have to pay the same rates as someone that drives 10, 15, or even 25 thousand miles a year? Certainly not. What you have to step back and realize is that the insurance industry is based on the principles of risk management. This means that there are a lot of opportunities to actually cut down on your rates by simply cutting down on your risk. So if you’re not that much of a driver, you should definitely speak up.

Calling your insurance company about the matter may or may not be as productive as you would like, however. You see, you will nee dot provide proof that you don’t drive that much. You can opt into a lower policy that saves you money, but you definitely don’t want to try to go behind the company’s back on this. For one, they’re going to take record of what your odometer read at the start of the year. If you drive more than that, you can bet that there are going to be extra fees involved with keeping you on as a customer.

If you really want to make sure that you save money on car insurance, it can be worth your while to simply turn down the amount that you drive. This is much easier to do if you carpool or you live in an area where mass transit options are abundant. If you live in a more scattered region, you might be on the hook still for those higher rates.

Of course, if your insurance company isn’t going to cooperate, you might want to start thinking about switching to another insurance company that is more receptive to hearing you out. You can go online and compare insurance quotes, which is actually the smart way to do it. It sure beats having to drive all over town and waste gas just trying to save money. When you look at it from a different perspective, that approach doesn’t even make sense — why would you spend money just to save money?

Overall, could driving less really be the key to saving money on auto insurance? Definitely. However, you will still need to make sure that you’re doing your homework on the subject and looking into every option possible before making a commitment. You can do it — get out there and get a better insurance rate today!

What Really Affects Your Car Insurance?

Great car insurance doesn’t just happen by chance. It comes from knowing what you need, knowing what you can afford, and finding a compromise between the two. Yes, there are going to be people that really want to sell you these great insurance policies, but is that really the right cover for you? Is that the insurance policy that’s going to help you the most? Not always! This is why it’s absolutely critical that you really look into every last policy that is offered to you and go beyond the initial price quote.

There are a lot of different factors that really affect your car insurance quote as well as the policy itself. Just because you’re given a low quote doesn’t mean that you’re going to get that low price forever. It’s very common to actually have many conditions where the insurance company can raise your rate or penalize you in some fashion. You just have to make sure that you focus on the factors that count.

One of the biggest factors that count is your driving history. If you are someone that gets citations quite often, it should be no surprise to you that you are getting a higher insurance quote than other people who are ticket-free drivers.

On the other hand, this isn’t the only thing to worry about. Your profession itself can raise your insurance quote. If you are in a professional that’s deemed to be riskier, your insurance premium can be much higher than someone in a safer position. Having a second driver that is in on a position that’s safer can really improve the rates that you are quoted.

Whether you pay annually or monthly can also make a difference as well. There is often a fee assessed for paying monthly, along with interest charges. If you were to pay annually then you wouldn’t have to deal with those charges at all. That’s not charges that go with the amount of money that you need to pay — they’re extra charges that benefit the company and not you.

The age, make, and model of your car are also going to be important. If you have a high value car, it’s going to cost some money to insure it, especially if you are insuring the vehicle against total loss cover and theft.

The best thing that you can do is always shop around and make sure that you ask questions. Getting the more comprehensive cover possible is really going to be the key to not just getting a new car, but being able to actually enjoy it!

Listing Your Requirements for Car Insurance

If there was one task that we all seem to hate doing, it’s definitely getting new car insurance policies. The reason why most people hate shopping for car insurance is because they really don’t know what they actually want. Just like any other purchasing decision, there really is a lot to think about when it comes to car insurance. The last thing that you want to do is end up not getting the type of insurance you need simply because you never stopped to figure out what’s actually out there.

In order to get back on track, you will want to make sure that you are creating a list of requirements for your next car insurance policy. This is something that most people are actually used to, just from a different angle. Think about the last time you shopped for groceries. In order to know what you needed to get from the store, you had to actually look into your fridge and your cabinets and think about what you needed to put there, right? This is the same principle — you must make sure that you are covering all of your needs with any car insurance policy.

The first place to start is naturally your budget — you must make sure that you will be able to afford the car insurance that you’re about to get. While it’s true that the law requires all drivers to carry insurance coverage, there is a minimum level that you can purchase. This minimum will keep you in line with the law, but it won’t really offer much for protecting your own car — just everyone else’s.

If you have some more money to spend, you might want to think about raising your insurance coverage. There is really no general consensus on what full coverage actually means, but for most people, it just means that you will have protection on your car as well as everyone else’s on the road.

There are some features that you might want to add to your policy right off the bat. For example, if you predict that you will be in accidents due to your geographical location and highway conditions, you might want to add roadside assistance and rental car coverage. The roadside assistance plan will let you actually be towed to the nearest service station, and the rental car coverage will make sure that you’re still provided reliable transportation while you wait for your car to be fixed. There are just some accidents that can really put your car out of commission. If you’re relying on that car for work, school, or just to move family members around, you can’t wait on your car to be fixed. You need transportation right away, and that’s what this coverage does.

You will also want to raise your protection levels as a whole away from the required minimums — this will lower your chances of being sued because you didn’t have quite enough coverage. In addition, if you have someone else driving your car here and there, you will need to add underinsured / uninsured motorist coverage. This will also save you money in the long run because you’ll be covered no matter who drives your car.

Overall, listing your requirements for car insurance is a great way to make sure that you’re really getting a policy that really covers all of your bases. With the information in this guide, you should have no trouble at all really getting the best car insurance around, but you will need to make sure that you get started today!

3 Nononsense Car Insurance

The economy is not faring well at present, and unfortunately, this means that we are all struggling to meet the costs of everyday living.  One area with which many of us are struggling is car insurance.  Insurance premiums seem to be increasing at an alarming rate.  In fact, the number of people driving without insurance has risen significantly in recent years.  It is ill advisable to drive without insurance, the better option is to find the most competitive policy and purchase that one.  Here, we look at ways of reducing the cost of your car insurance premiums.

Monthly Instalments

Paying your insurance premiums over several months, rather than paying as a lump sum, although being more expensive overall, can be a more manageable of meeting your insurance payments. The difference in price is down to interest charges on borrowed money, for a policy of £500, you can expect to pay, on average, an extra £35-£60 a year, but it can be much easier to find the money to pay for your insurance policy.

Visit Several Insurance Companies

In Northern Ireland, you can make use of one of the price comparison websites to search the insurance market and find the best policy for your needs.  However, no such comparison websites exist in the ROI, which means that drivers must search the market manually.  This can be time consuming, but is certainly worth a try as you may find some very good deals online.  In fact, the internet is by far the best place to search for car insurance as the online market is a lot more competitive than the real world, and this in turn drives down prices.

Choose an Insurance Company that allows you to Personalise your Policy

Most insurance companies offer standard policies featuring a variety of different add-ons (e.g. breakdown cover, windscreen cover, legal cover, etc.), but do not allow you to select or de-select their add-ons depending on your needs.  This means that many people end up paying too much for their car insurance, for features, they do not need, or that they have a policy that does not provide them with the cover they want.  Other companies, such as Nononsense car insurance, allow their customers to personalise their add-ons, making their policies a lot greater value for money.

Choosing The Best Car Insurance on a Tight Budget

Great car insurance is something that everyone wants to have. After all, can you really put a price on peace of mind? You can’t, and in a perfect world we would all be able to get the tools and resources that allow us to have as much peace of mind as we want. Unfortunately, we don’t live in a perfect world, which means that you will have to think about your budget while you try to protect you and your family’s future from every angle.

If you’re looking at getting great car insurance, your first step is to go online to save money. Not only will you have the best chance of saving money by going online, you’ll also be exposed to a much better selection than you would have on your own.

One key benefit that drives a lot of people online instead of offline is that they have the ability to get the insurance that makes sense for them, rather than having to deal with high pressure sale tactic s that tend to make them feel guilty and uncomfortable. Cheap car insurance can still be great car insurance, but there are a few things you will need to keep in mind if you’re serious about getting the policy you want.

First and foremost, you want to make sure that you have the ability to customize your car insurance policy, regardless of what company you end up settling upon. It’s better to make sure that you are only getting the car insurance components that you want instead of adding a lot of features that you know you will never use. For example, if you are a relatively safe driver with no accidents, there’s not a pressing need to add towing coverage unless you just happen to want it.

In addition, you will also want to think about raising your deductible if you’re going with full coverage car insurance, which would cover your car’s damages in the event of an accident instead of just the other car’s damages. A higher deductible can really help you save money because you will be paying a greater percentage of the repairs before the insurance company will pick up the rest of it.

Overall, these tips will help you get the best car insurance on a tight budget, but all of these tips involve taking actions today to get the car insurance that you deserve!

Car Insurance

Car insurance is something which many people do not like taking out. They often think that it is a big drain on their finances and that it is an unnecessary expense. However, although we do not like thinking about car accidents, it is possible that an accident could happen and then the money will have to be found from somewhere to pay for it.

By law it is necessary to have third party insurance. This means that in the case of an accident there is the money to pay for any damage done to property or cars apart from those belonging to the driver of the vehicle. This means that if you do any damage to your vehicle, you will have to find the money from your pocket to replace or repair it. It could be the only option for you, because fully comprehensive insurance is too expensive but it is worth considering the risk and deciding whether it is worth it. If another car hits you, then you will have to find out who did it and pursue their insurance company to get it paid for, whereas if you had fully comprehensive, you may find that your insurance company pays for it for you.

There are ways of saving money on car insurance and so it could be worth trying to cut down the cost this way instead. You can do a price comparison to see which is the cheapest and this could help it become a more affordable options. Make sure that you weigh up all of the risks and do not just look at the cost as the sole factor in deciding, not only which company you use but also the amount of insurance that you take out. It could be a very costly mistake to make.

Four Tips for New Car Buyers

When it comes to making big-ticket purchases, it is always important that you know just what you are looking for, as well as just what you can afford. With today’s economic situation, consumers need to take control of every buying situation, especially when it comes to something that will affect your daily life, like a new car. If you have decided it’s time to find a new car, you should take some steps to be sure you are finding the right vehicle. With just a little bit of time and research, you are sure to find the right car for you and your loved ones, at a price that you can afford.

Plan Your Budget First

The first step to take, before you even decide on what type of car or truck you want, is to figure out your budget. You need to know exactly what you can afford, not only for monthly car payments, but also how much you can spend on a down payment and even your insurance premiums. Figure out what your spending threshold is, and make sure not to cross it.

Narrow Down Your Choices

After you have done your car budget, it is time to find the right car for you. To make this decision, you need to think about the types of trips you will make in your new car. Do you have children that need extra space for their car seats? Do you need storage space for work? These questions will help you decide what kind of car you need. There are so many options out there, from sports cars and SUVs to minivans and pickup trucks. These will all have their own benefits and liabilities, so it is important to know what it right for your situation. Use the internet to find out all you can about the cars you are looking at. You can learn everything about a car, from gas mileage to safety features, if you just look in the right places.

Choose a Dealership Carefully

Once you know what type of car you are looking for, and how much you will be able to spend, it can be tempting to run out to the closest car lot right away. Do not rush. Now it is time to find the dealership that is going to make right deal for you. Although you can use the internet to find reviews, asking your friends and loved ones about the dealers they used can be very beneficial. Find out who got the best deals and where they went to get them. Use their experiences in the market to make yours easier.

Stick to Your Guns

When you decide that you have all of the information you need to make the right choice, it is time to get out there and find your car. Be wary, though. Do not let the dealership talk you into buying more than you need, no matter how nice it sounds, nothing is free. Remember to read any contract thoroughly be signing, because no matter how nice a salesperson is, he is still trying to make money.

 

Jessica Bosari writes for CarInsuranceQuotesComparison.com. The site helps consumers with tips, information and a handy tool to compare car insurance quotes.