Auto Insurance Advice

Car insurance is insurance people can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents. An insurance company may declare a vehicle totally destroyed ('totaled' or 'a write-off') if it appears replacement would be cheaper than repair.

Insurance can cover some or all of the following items:
1. The insured party
2. The insured vehicle
3. Third parties

Different policies specify the circumstances under which each item is covered. For example, a vehicle can be insured against theft, fire damage, or accident damage independently.

Auto Insurance Advice
Most new and learner drivers are on a limited budget are looking for cheap car insurance. Here are some car insurance tips and suggestions to consider when trying to get a low cost motor insurance policy and keep premiums down:

• Opt to pay a higher excess in the event of an insurance claim.

• If you have recently passed your driving test, investigate whether it would be cost-effective to complete the Pass Plus training programme to qualify for car insurance discounts.

• Investigate buying car insurance online as some companies offer a worthwhile discount for policies purchased in this way.

• If your vehicle is not fitted with an approved immobiliser, compare car insurance quotes with and without one fitted. It may be cost-effective to have one installed.

• Limit the number of miles you drive each year, and tell insurance companies your typical annual mileage when getting quotes.

• Use an insurance broker if you can't spare the time to 'phone or shop around to get quotations yourself. Alternatively, consider using an online service such as moneysupermarket.com to automatically compare motor insurance quotes from more than 60 providers.

• If you are a student, include End sleigh in the list of insurance companies that you contact for car insurance quotations.

• Restrict the drivers on your car insurance policy. In particular, minimize the number of young drivers under twenty-five.

• Drive a cheap car with a small engine.

• Start building and protecting a 'no claims' bonus as soon as possible. In the long run, this will have a significant impact on your ability to get cheap car insurance.

• Don't modify or customize your car.

• If your car was very cheap, it may be cost-effective to have third-party, fire and theft insurance instead of fully comprehensive cover. Compare quotes.

• Park your car in a locked garage or other, secure, off-street location overnight.

• If you belong to a trade union or professional society check whether it has negotiated cheap car insurance policies for its members. If it has, include the associated insurer in the list of companies from whom you seek quotes.