Trying to find cheaper car insurance quotes pa rates can be very challenging. I found it very hard to find a reasonable car insurance quotes pa rate that I can in reality be satisfied with. I searched everywhere to find the cheapest automobile insurance rates. I even went as far as to pick up the heavy yellow pages book to look for better insurance rates.
Unfortunately I was very disappointed every time I got my quotes because they ended up giving me higher rates than I had expected. My driving history wasn’t that bad to when to when they had to warrant giving me higher rates on auto insurance.
That’s when I decided to seek different options that I had not tried before. One option I decided to try was to go through a local agent in my area. Even though my agent was kind of busy he was able to get me quotes within a reasonable amount of time. But still the quotes I got was not good enough. That’s when I realized that I’ll never really be able to get low car insurance quotes by going through a local agent.
All I really needed was cheaper car insurance quotes pa rate. I got sick and tired of the frustrations and decided to get down to business on my own by going online. I found that it was time-consuming to go to each automobile insurance websites one by one. Even though I got the rates I wanted by going online, my fingers got quite exhausted from doing the repetitive typing. I eventually was able to find a website that gave me quotes from the top five companies after only entering my information once.
This proved to be a great time saver for me. I was able to save a lot of time and money whenever I went to these types of sites right before my car insurance premium was about to expire.
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Specialist women-only insurers sprung up a few years ago in recognition that women are safer drivers and therefore represent a lower underwriting risk.
And with insurers realising the potential of marketing plans to women, there are now a wide range of different policies available to the female population.
With adverts decked in pink and catchy soundtracks you can’t help but sing along to, these insurers bring promise of cheaper car insurance – usually through some kind of Australian slang.
Because of the exclusive nature of these companies, the services offered cater for a wide range of extras in addition to insuring their cars. From handbag cover, a wide network of female-friendly repairers and even a 24-hour counselling line for those suffering stress and trauma on the road.
But aside from all the advertisement, can these companies offer a cheaper car insurance quote?
According to a recent survey of motor insurers, some of these specialist companies might actually be more expensive than other deals on the market.
There are now a wide range of motor insurance companies available on the market – including some which cater for women-only. However, there are other steps that can be taken in order to save money on their car insurance:
In the case of couples, money can usually be saved if the policy is taken out in the woman’s name – whether through a women-only company or not.
Some companies also offer online discounts for those who take out policies using their websites.
Adding a little extra to your excess can also be beneficial in future, which could save you up to 25% on your policy but may mean shelling out for any minor knocks and scrapes.
Check you are not paying for unnecessary cover – such as the option of commuting by car if you always travel to work by train.
Having a state-of-the-art alarm or immobiliser fitted could help reduce your premiums as well as protect your vehicle from thieves.
David is an experienced writer based in the UK, currently working in the dotcom industry
By now you’ve probably seen the unbearable adverts on television and had their catchy jingles stuck in your head all day but car insurers that cater specifically for women have become increasingly popular with the fairer sex. Obviously there are the lower priced policies for them as they are rumoured to be “safer drivers” but in recent months it’s been revealed that these niche insurers have much broader appeal than cheaper car insurance.
Most car insurance policies for women now don’t just cover the car itself, but the contents too. Many insurers offer handbag cover so if you’ve left your handbag on the passenger seat whilst paying for petrol and it gets pinched then you will be covered for the contents.
Many of these policies will offer around £300 worth of handbag cover so that could cover an iPod or a mobile phone which would typically make up the bulk of the cost of the handbags contents.
As well as this, one women’s car insurance company will offer a mobile phone tracking service in the event of a theft which would be welcome if you want your mobile phone back and not for it to be replaced without all the photos and messages intact. Other offers on these insurance policies include shopping vouchers and a replacement car within two hours.
These perks have been determined by insurance companies researching the requirements that women drivers say are most important when it comes to choosing a motor insurer. It was stated by one insurer that “women want to be back on track as soon as possible and with minimal disruption” and so features such as the 2 hour replacement have proved vital.
So women looking for cheap car insurance have more to look forward to than simply cheaper rates but a long list of features that you are less likely to find elsewhere.
Andy Adams is an IT worker and experienced writer
