No you have not read that wrong and no mistake has been made when writing, if you went for a drive on Monday the 27th then you could have been glad you had taken out discount car insurance. This is because it seems that Monday the 27th has overtaken Friday the 13th when it comes to car accidents.
Studies from Budget Insurance have shown that more car accidents occur on Monday the 27th than on Friday the 13th, According to recent research, 5% more claims on insurance were made on the 27th of February and March in 2006 which both fell of course on a Monday. Perhaps even more surprising was the revelation that more accidents occurred in car parks on this particular day than any other and which resulted in insurance claims being made. Another fact involving this date is the fact that accidents have occurred through motorists swerving to avoid hitting an animal. Scientists of course say they think they might know the answer, as Monday is the first day of the week motorists are anxious and distracted when it comes to facing a new week. When it comes to the 27th this is the day that many have bills to pay such as mortgage, loan or credit card bills.
Whether any credit should be given to this is anyone’s guess, however statistics do not lie, regardless car insurance is a necessity and finding discount car insurance even more so if you want to have the protection that insurance gives while at the same time making savings.
The best way to insure you get the cheapest insurance and deal is to out your search into the hands of a specialist broker, the broker has the experience to shop around on your behalf and are able to search through the entire UK marketplace so that you get the cheapest car insurance possible.
You can choose the type of car insurance so that you can keep the premiums down to the minimum, if you choose to take out fully comprehensive car insurance then you will be covered for repair to your and the other parties car if in an accident, fire and heft and also insured for nay passengers that you carry. However this is the dearest type of insurance. Third party fire and theft is cheaper and will payout against damage for the other person’s car and fire and theft and is a lot cheaper to take out than fully comp.
When it comes to determining what type of car insurance you need for your circumstances the specialist can help here also, they offer a vast amount of information relating to the different types of car insurance and how you can make great savings by knocking down the premiums for the cover. While you can make great savings by taking out discount car insurance with the help of a broker there are many things you can do for yourself and the information found on the brokers site will help you make even more savings.
David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to giving consumers the best insurance deal. They offer great value home, life and car insurance.
I’ve been sharing tips on how you can get cheaper car insurance rates in most of my articles. This one is no different. My focus here will be on a skill that will help you lower your rates. It may require some serious time investment. However, it is well worth every bit of it.
We’ll take some time to learn the place of defensive driving in lowering your car insurance rate. I will define the term to ensure you truly understand what it means and then explain how and why it lowers your car insurance premium…
Defensive driving is a skill in driving that involves more than knowing how to control a car and stick to basic driving rules. You learn about situations to avoid and ways to avoid them. You are shown how to make room for, and respond better to, mistakes or total recklessness on the part of other road users. This can be achieved through adherence to a variety of general rules, as well as the practice of specific driving techniques.
From the definition alone you must have started drawing reasons why defensive drivers usually cheaper car insurance rates if you know even a little about what influences your car insurance premium. The incidence of collisions or crashes are very low among drivers who have acquired this skill. As a result, insurance companies see them as a lower risk.
Insurers calculate premiums based purely on how risky it is for them to provide coverage to a given profile.
I think you should consider taking a course in defensive driving since it will help you get cheaper car insurance. And, if for nothing else, you’ll be safer and also keep our roads safer by doing that.
For those who, for some reasons, cannot take defensive driving lessons at the moment, there is a way to still get cheaper car insurance rates. You can do this by getting and comparing car insurance quotes from at least three insurance quotes sites. It takes only a few minutes. And for a few minutes’ job you could save from a few hundred dollars to a thousand.
For more info please visit our site @ www.defensedrive.net
In case you are caught being drunk behind the wheel your insurance rates will increase and you will most probably learn about a thing known as SR-22 to many. And it doesn’t matter what it’s called in your state – driving while being under influence or intoxicated – the result is the same. Your insurance rates rise dramatically even before you can actually drive a vehicle again. The laws are different Different states have different penalties regarding drunk driving, but in all states you will be denied of the right to drive for a period of time (starting with 30 days to 12 months). And in order to get your license back and drive again most states require you to present SR-22 form proving availability of necessary auto coverage. Such form can be presented by the insurance company unless your policy is lapsed, canceled or terminated. Premiums will rocket sky-high When time comes for taking the SR-22 form from your insurance company, the company will automatically put you in the “high-risk driver” category, which eventually means that your rates will go up. And by “go up” we mean double or even triple according to state you’re registered in. Of course, you can shop around as there are insurance companies with “high-risk” specialty. SR-22 policies are not that accessible Certain companies do not provide SR-22 insurance coverage, and if you’ll require one from them after being convicted in drunk driving, they are likely to cancel your policy. It will require you to address a company that provides SR-22, however your premiums will still be higher because you will already have a history of policy cancellation. However in some states, insurance companies have no right to cancel your policy before its term expires. So check your local laws to know better. How long will it last? This also depends on the state you live in, but the usual picture is that you will have to pay higher premiums for at least three years after being convicted. And if you’re caught driving under the influence again there will be more serious penalties. It also depends on the condition you’ve been in while driving. In most states there are stronger penalties for increased alcohol blood levels, passengers (especially kids) in the car, damage to property or injury to people done and other factors involved. How to avoid increased rates? The most drastic measure to keep your auto insurance rates low is not driving at all after being convicted in drunk driving. Even if you were driving a car you don’t own you will still have to present a SR-22 form in order to restore your driver’s license. Of course, there’s still the most effective way of keeping your auto insurance as it was. Simply don’t drive while being drunk, intoxicated, under the influence or any other altered state of mind. It will not only save you auto insurance but will save your and someone else’s life. If you’re messed up, call a taxi or ask your sober friend to drive. It’s not that hard, isn’t it?
