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Thursday, November 22, 2007
Car Insurance - Made Simple to Understand
Car Insurance
So you have decided to buy a car or actually agreed upon a deal, the next big thing would be to get yourself insured on the car you are buying. Car insurance plays an important part in car buying process. Also, it is a legal requirement and a personal protection against unexpected occurrences. Hence, it is important to get a car insurance before you actually start driving the car.
What is car insurance?
Car insurance is taken out primarily in order protect from losses mainly incurred through accidents. The following are the types of car insurance coverage that you can opt in order to be insured:
Third party onlyThird party fire and theftComprehensive
Third party only
This is the lowest level of protection and the cheapest. Third party insurance covers only the damage or injury occurred to the others. This type does not cover your damage of your vehicle occurred during accident. So to conclude, if you can afford to repair your car with your own income, this is best option.
Third party fire and theft
This type covers everything that a Third party only car insurance covers plus an additional benefit of protection from loss from fire and theft. This type has a little more protection than the Third party only however, it still does not cover your vehicle from accidental damage. This type is a little expensive as it gives more coverage.
Comprehensive
This type of car insurance covers everything that a Third party fire and theft car insurance covers plus a full coverage on the damage of your own vehicle, windscreen cover, personal items and your medical expenses as well. Since it provides with full coverage, it is the most expensive type of car insurance. It gives you the utmost on your car insurance. This type protects you fully leaving you hassle free and worry free during unfortunate and unexpected accidents.
Where to find?
Finding the best suitable car insurance can be a time consuming and confusing process. There are numerous factors that are considered by the insurance companies when covering you with your car. The best place to find is the internet. There are infinite insurance companies offering various covers at reasonable rates. Finding car insurance online is the easiest form and can help you compare the car insurance quotes from different companies.
How to get insured?
Quote - The first to begin with is to get a quote. A quote is where you will find out which company offers you the best suitable car insurance. Our advice is to get as many quotes as possible. There are many companies that offer price comparison. These price comparison companies offer excellent comparison of quotes from various companies. This gives you advantage to compare and select the one that suits you. However do not ignore the fact that comparing manually can find you some good car insurance quotes.
Factors considered - There are number of factors that are considered by the companies when drawing up a personalised quote to you. The most important factor is Age, depending upon how young or old you are you will be quoted high or low car insurance premium. Second important is your gender, since women are less likely to take any risk by nature, they are more likely to get the benefit of low car insurance premiums. Other factors include the car conditions, where you park your car overnight, how many miles you cover over a period of time, the purpose of driving, etc...
Compare - Always try and get as many quotes as you can, this will give the list of insurance companies willing to offer you car insurance. You can choose which car insurance company you would like to opt for depending on your affordability and obviously the the type of car insurance coverage they are offering.
So you have decided to buy a car or actually agreed upon a deal, the next big thing would be to get yourself insured on the car you are buying. Car insurance plays an important part in car buying process. Also, it is a legal requirement and a personal protection against unexpected occurrences. Hence, it is important to get a car insurance before you actually start driving the car.
What is car insurance?
Car insurance is taken out primarily in order protect from losses mainly incurred through accidents. The following are the types of car insurance coverage that you can opt in order to be insured:
Third party onlyThird party fire and theftComprehensive
Third party only
This is the lowest level of protection and the cheapest. Third party insurance covers only the damage or injury occurred to the others. This type does not cover your damage of your vehicle occurred during accident. So to conclude, if you can afford to repair your car with your own income, this is best option.
Third party fire and theft
This type covers everything that a Third party only car insurance covers plus an additional benefit of protection from loss from fire and theft. This type has a little more protection than the Third party only however, it still does not cover your vehicle from accidental damage. This type is a little expensive as it gives more coverage.
Comprehensive
This type of car insurance covers everything that a Third party fire and theft car insurance covers plus a full coverage on the damage of your own vehicle, windscreen cover, personal items and your medical expenses as well. Since it provides with full coverage, it is the most expensive type of car insurance. It gives you the utmost on your car insurance. This type protects you fully leaving you hassle free and worry free during unfortunate and unexpected accidents.
Where to find?
Finding the best suitable car insurance can be a time consuming and confusing process. There are numerous factors that are considered by the insurance companies when covering you with your car. The best place to find is the internet. There are infinite insurance companies offering various covers at reasonable rates. Finding car insurance online is the easiest form and can help you compare the car insurance quotes from different companies.
How to get insured?
Quote - The first to begin with is to get a quote. A quote is where you will find out which company offers you the best suitable car insurance. Our advice is to get as many quotes as possible. There are many companies that offer price comparison. These price comparison companies offer excellent comparison of quotes from various companies. This gives you advantage to compare and select the one that suits you. However do not ignore the fact that comparing manually can find you some good car insurance quotes.
Factors considered - There are number of factors that are considered by the companies when drawing up a personalised quote to you. The most important factor is Age, depending upon how young or old you are you will be quoted high or low car insurance premium. Second important is your gender, since women are less likely to take any risk by nature, they are more likely to get the benefit of low car insurance premiums. Other factors include the car conditions, where you park your car overnight, how many miles you cover over a period of time, the purpose of driving, etc...
Compare - Always try and get as many quotes as you can, this will give the list of insurance companies willing to offer you car insurance. You can choose which car insurance company you would like to opt for depending on your affordability and obviously the the type of car insurance coverage they are offering.
# posted by gopi @ 4:01 AM 
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