Third Party or Comprehensive Car Insurance

Thanks to advances in technology, shopping online has now become a common practice among consumers. Insurance quotations are also available from most of the major insurance companies. It is now possible to obtain competitive car insurance quotes on the internet with the click of a button. Car insurance Donegal brokers also have online connectivity with the major insurance companies in Dublin so it is possible to walk into a broker in Donegal and have immediate access to comparative car insurance quotes.

Every driver is now looking to find the cheapest car insurance quotation and do their best to save some money. With this in mind, some research should be carried out before committing to any one car insurance company. It would be useful before going online, to talk to other car drivers, like colleagues and friends, to learn about their experiences with their car insurance Donegal brokers. A balance needs to be struck between the cover you are offered and the premium you are prepared to pay.

Next time you decide to change your car, it would be a good idea to establish which cars and engine sizes attract lower premiums. In the UK, cars are graded into different groups for car insurance purposes. The group classification is decided by the value of the car, the engine size, and the safety features of the car among other criteria. An example of a Group 1 car would be the Toyota Varis or the Citroen C2. On the other end of the scale an example of a Group 20 car would be the BMW 7 Series or the Mercedes Benz CLS. There is a huge gap between the insurance premiums for a Group 1 car as opposed to a Group 20 car.

The next thing to consider is what type of insurance you require. The two most common types in the UK and Ireland are Fully Comprehensive and Third Party Fire and Theft.

Fully Comprehensive car insurance typically provides you with the most cover depending on the insurance company. The policy document should be carefully examined before a commitment is made. Generally, comprehensive insurance will cover the following:

· windscreen replacement

· repair or replacement of your car following a collision

· compensation if your car is stolen

· injury to you or third parties

· rental of a car while your car is being repaired

· damage to a car or property belonging to a third party

Third party fire and theft car insurance is much cheaper than comprehensive and the cover level is considerably less. However, many drivers opt for this cover, especially those looking for cheap car insurance.

A typical Third Party Fire and Theft policy will include:

· damage to a third party car and this excludes damage to your car

· injury to third parties

· repair or replacement of your car in the event of a fire or if stolen

Another factor to remember is that the use of the car will have a bearing on the cost of the car insurance. It is important to clearly state whether the car will be used for personal or business uses.

The main category for personal use is called Social, Domestic and Pleasure. It is important to establish with your insurance provider if this type also covers commuting to and from work.

Within the business category there are three distinct classes.

Typically Class 1 will cover business use which includes driving from one business premise to another. It will generally exclude a named driver.

Class 2 generally does cover a named driver and the policy may specify that the named driver should have the same occupation as the insured driver.

Class 3 generally provides for Class 2 above and in addition will allow for the carriage of goods.

In all cases it is imperative that the driver should clearly indicate what the car is being used for. Holding back information from the donegal insurance company can lead to a void policy.

As is often quoted, honesty is the best policy.

Get the Best Car Insurance – 5 Points to Consider

Car insurance is not as complicated as many people think, nor is it too easy. However, there are certain points that need to be kept in mind before going for a car insurance purchase. Here, in this article, you will find the top 5 points you need to consider while buying car insurance in order to get the best deal.

1. The Car Insurance Coverage

The government requires you to have at least third party car insurance so that in case of an accident, your auto insurance provider bears the medical and vehicle repair expenses of at least the person and/or vehicle you’ve collided with. So you need to have that. However, don’t you think you need coverage for yourself too? Do you think you’ll never meet with an accident, or, you’ll never get hurt even if meet with one? It is advisable to have a comprehensive insurance coverage. If you still feel that the comprehensive insurance is going to be a waste of money, at least keep aside some money safely. It will surely be of some use some time during an emergency when you need it the most.

2. Factors that Affect Auto Insurance

Looking to purchase a car? Well, it’s time you think of your car insurance too. The best car, the expensive one may appeal to you the most, and so is it going to be for the auto thieves. They just wouldn’t be able to stay away from it. Next, you also need to think about the colour. Red stands for danger, and research shows that red cars are more prone to accidents. The bottom line here is, a costly car or any other car that’s most common in the car thieves’ list, or cars that are most prone to accidents can draw a big amount from your pocket as insurance. Beware!

3. Equip Your Car with Safety Systems

There’s lesser probability of a safe car meeting with great damage as compared to one that comes with the ‘be careful, risk involved’ factor. If you are just considering buying a new car and have decided to go for the basic variant that does not really come packed with a lot of safety, go for the high-end version. You would get additional safety, more features, and possibly, a lower amount on your insurance if compared to the other variant. Insurance agents too consider safer cars beneficial to them and are okay with lowering the premium amount. However, request car insurance quotes from multiple providers, compare, and go for the best one.

4. Research. There’s No Escape Here

You wouldn’t buy anything blindly. Then, why would you purchase your auto insurance without thinking. As mentioned earlier, you need to perform as research as you can. You needn’t run from agent to agent. The Internet is there and you could find out about auto insurance, the coverage offered by a particular car insurance provider, the reviews about the provider and much more. Don’t shop blindly. Just as you must have got your new car quotes, get quotes for the insurance too and you choose the one that’s best. Do not let the insurance provider think he’s the only one you could find and cheat you. Make an intelligent decision.

5. Negotiate to get the Best Car Insurance Deal

Bargaining is not going to cause any harm. Your insurance premium is not going to increase if you bargain. However, there are chances that you may have to pay lesser. Ask your auto insurance provider for a discount, or ask him to offer additional coverage for the same amount. It is only by asking that you are going to receive that extra discount and you have the right to ask for it. If the provider seems to be aggressive, adamant and not too approachable, remember, there are plenty of auto insurance providers out there who are ready to offer you a better car insurance deal politely.

Cheapest Car Insurance For Imported Vehicles – 5 Tips

If you own or plan to buy an imported vehicle, you are undoubtedly excited about your car. Imports can be fuel-efficient, sexy and sporty. And, like any car foreign or domestic, foreign cars require a significant investment to keep you behind the wheel.

Car ownership is never cheap. There are the car payments themselves to think about. And, then you have to pay for gas, repairs… and car insurance.

Imports And Domestic: All Cars Need Insurance

Whether a car is an import or a domestic make, you are going to need to buy insurance. Purchasing car insurance is not only a legal necessity, but it is also a moral one. But, even if these concerns are not at the top of your list, there is another very good reason to buy insurance: to protect your net worth.

You see, if you skip buying insurance or buy too little, you could be liable in civil court for damages after an accident you cause. So, besides being a legal and moral necessity, buying insurance is just plain smart.

Many Imported Vehicles Are Sports Cars

Many imported vehicles fall under the sports car header. If your car is considered as such in the eyes of most insurers, get ready to pay more for insurance than you would if you owned a minivan or a sedan. However, the good news is that you can find insurers that specialize in sports cars (see below).

Types of Insurance Coverage

There are various types of coverage. In general, you will want to consider liability insurance (to cover the other party), medical coverage (to cover your party’s medical bills), collision (to cover your party’s vehicle repairs) and uninsured motorist (to cover your party’s bills if the other party causes the accident but is not insured).

Finding The Cheapest Car Insurance – 5 Tips

Here are 5 tips for cheapest car insurance for imported vehicles:

1. Decide whether your car is considered an sports car: While there is no universal definition for sports car, in general sports cars are going to be those that are high performance, have two doors, and have a tuned suspension.

2. If a sports car, create a list of insurance companies who specialize in sports cars: Some insurance companies specialize in sports cars, so be sure to put together a list of them.

3. If not, compile list of best insurance companies around: If your import is not a sports car, that just opens up the field even wider for the companies you have to choose from.

4. Create a list of desired coverage types and limits: When shopping for insurance to get the cheapest rates, you are going to want to get comparable quotes from multiples companies. This means getting comparable coverage. Speak with an insurance agent about which types of coverage and coverage limits you need. Then, ask for those same types of coverage from each of the other companies you contact.

5. Contact at least 5 car insurance companies: Now, start shopping! Contact at least 5 of the companies on your list. Don’t stop until you have contacted all of them: more choices means better chances for savings!

Follow these 5 tips to get the cheapest car insurance for imported vehicles.