Car Insurance

Welcome to our web site about car insurance, our objective is to provide you with the most comprehensive collection of car insurance information available anywhere on the Internet.

In the United Statres, in most locales, it is illegal to drive without car insurance. Although amazingly in a recent double blind survey indicated that a staggering thirty percent of respondents admitted to driving without car insurance.

Uninsured drivers are a huge burden on all of us. What happens when an uninsured motorist gets into an accident and they are at fault? It ends up costing the insured motorist! The figure that uninsured motorist are costing us, nationwide is staggering.

As a result, the government has recently announced a crack down on uninsured drivers. The tough measures being considered for law are:

• It will become an offence to drive a car on any public road without having insurance. Many law enforcement vehicles are equipped with computers to run checks automatically.
• To deal with some of the worst repeat offenders, certain legislators are proposing that their cars be confiscated and that their driving licenses be revoked.
• Teenagers are nore required to meet certain standards before they are allowed to learner's permit and the subsequently get their driver's license.

The benefits of these new measures will hopefully be a drop in car insurance costs.

Never say to yourself that because you are such a good driver you do not need to have insurance. You could be the best driver in the world, however that does not mean that all of the other driver’s sharing the road are, an accident can happen at any time. Regardless of whose fault it is, you will be breaking the law if you do not have adequate car insurance cover.

Lowering your car insurance costs

As the old saying goes, it certainly pays to shop around. This is even truer when it comes to buying car insurance or renewing an existing policy. We’ve detailed below our top tips for getting the most value for money when it comes to care insurance:

• Prices will vary depending on insurer, if you have the time (it will pay off in the end) try to get about five quotes for your insurance. It’s possible to receive a car insurance quote via the Internet or via their telephone line.
• Never automatically renew your insurance with your existing insurance company, research suggests that by shopping around at renewal time you can save as much as fifteen to twenty percent or more on your car insurance.
• Consider increasing the voluntary excess you would pay should you have an accident, insurance companies often reduce the policy amount in these situations.
• Consider different types of car insurance companies. Some car insurance companies, specialise in the provision of certain type of insurance, for example driver’s under the age of 25 or women drivers.
• If you’re in the market for a new car, always check the insurance costs before completing your purchase.
• Negotiate a deal for including other forms of insurance with the same company, for example home contents or pet insurance.
• Purchase from a car insurance provider that sells direct to the consumer rather than through a broker. This will cut out the middle man and often give you additional savings.