Shopping for Car Insurance....



Although we live in recessionary times there are certain life expenses that we should not cut back on and Car Insurance is one of them.

There are moral and social obligations surrounding taking a car out on the road. Therefore we should all take responsibility to drive with due care and attention, to not drink and drive and to purchase car insurance to cover us, our families and other road users (plus their families) should an accident occur. Although it's illegal in this country to drive without insurance, that fact unfortunately does not deter some people from doing so.

Car insurance is an extra expense, on top of many other expenses for families these days, that we may well feel we could do without. While we can't cut this expense entirely we can certainly reduce the amount that we pay. It's a competitive market out there and there are savings to be made by shopping around. We saved approximately €100 by ringing around the various Insurance companies this year. This is relevant advice at any time whether or not we're sheltering from a celtic tiger's roar or a recession's gloomy cloud!

When purchasing car insurance the onus is on the purchaser to ensure that they obtain the level of cover appropriate to their needs. Consider things like windscreen cover and step back protection to protect your 'no claims bonus' . Personally that is something that I consider of importance. Piece of mind to know you won't lose all the bonus you've earned over the years.

These days I find it absolutely essential if a tad mind-boggling to examine all aspects of every Insurance policy we purchase to see where we can make some savings. Again, this is something we should always do and can be really worth the effort.

One area that may provide some savings is the value you insure your car for. Cars depreciate in value so every year I check to see whether or not a reduction in value will put us into a lower bracket that may reduce the overall cost of the policy. This is worth considering and you can check the current value of your car by phoning a garage or dealership..

Having a car alarm/immobiliser fitted to your car can also reduce your insurance costs.

Although it's not something that comes up when purchasing Insurance I do think that regularly servicing your car and monitoring the condition of tyres (especially when going on a long jorney with a fully laden car) is of utmost importance.

I must admit that I abhor the moral and social irresponsibility of people who drive without Insurance. However, I also abhor the dishonesty of some victims of accidents who exaggerate (or even fake) their injuries in order to make a claim. When they do so they do precisely what that infamous ad says... they put their hand in your pocket, thereby increasing insurance costs for everyone.

My advice? Drive carefully, play fair, shop around ..... and get car insurance.

How about you? Do you have any car insurance tips?

xx





Note: This is a sponsored post, thank you for reading.



14 comments:

  1. I have no tips other than get the insurance for your windows. Doesn't cost much but when a rock breaks your windshield it's priceless!!!

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  2. I would advise EVERYONE to have fire coverage..as winding up on the side of a highway while your car goes up in flames can be very costly without it...not that I have any experience or anything...

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  3. @Lizbeth: Absolutely! It´s included in most policies over here but is always worthwhile checking to be sure ;-)

    @Kathleen: Oh, most definitely and unfortunately I DO have some experience of this! I presumed that people would automatically get 3rd party, Fire and theft but maybe not. Thanks for your suggestion...it is important not to skimp on this one!

    Thanks for your tips girls...much appreciated! I´ll be back checking your blogs real soon ;-)

    xx Jazzy

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  4. Perhaps it is worth checking car insurance quotes before you buy your next car? My insurance went up with the car I bought three years ago, even though it is for carrying a passenger with a wheelchair, so I'm hardly likely to be driving like a lunatic :)

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  5. We found out recently that insurance covers us for a break-down call without any lost of no-claims bonus. Invaluable when your battery goes flat in a Tesco car park and there are 2 whingeing kids at the back.

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  6. @Blue Sky: Yes..that IS a good idea. I do that too. That seems very unfair. Is it due to the cost of replacing it? And the modifications that have to be made? Is your car worth more due tro the modifications? Not that it matters.... Insurance companies always seem to win... don't they?

    @ Truf: Wow... that was very handy indeed! A 'good news' story! Excellent:-)

    A twitter pal suggests that
    you try to haggle with your broker or agent and to consider that the lowest premiums are not always the best deal and to read very carefully. That is very good advice indeed. ALWAYS examine the differences between policies. It's a nightmare but invaluable.

    xx Jazzy

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  7. Never take their first quote or the second. Always ring back 15 minutes later and say you've got a better quote. You'll always get something off.

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  8. Every person have a different expect of buying an insurance policy like a newbie would want to have an insurance policy that cover basic car breakdown cover support too, while one who has been around cars would be able to solve these issues in any spare evening. Therefore, you should check the features that you would want in your vehicle insurance, and find out whether these features are offered by the products that area available in the market.

    ReplyDelete
  9. @herry19: thanks for your helpful comment:-)

    xx Jazzy

    ReplyDelete
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