What types of car insurance do you get?
This is the most expensive type of cover. You are able to get cover for theft, hijacking, accidents, fire and natural disasters, like hail and floods. It also covers you against claims by third parties where you are responsible for damage to their vehicle.
Third Party, Fire and Theft Insurance:
This type of cover does not provide cover for accidental damage to your vehicle. You get cover for theft, hijacking or fire.
This is the cheapest form of insurance. It provides cover for any damage you may cause to someone else’s vehicle.
How do you compare different car insurance rates effectively?
Get more than three quotes
The car insurance market is a highly competitive one. As a result, insurance providers will often go the extra mile to get your business. As a consumer you should take advantage of this competition and make sure that you get side-by-side quotes.
As a general rule of thumb it’s always better to compare at least three quotes. This will give you a better idea of how much you are gaining form your current insurance provider. If you are getting car insurance for the first time this will help you to see how much you could save.
Look at limits
You need to compare car insurance rates to see the limits that various policies have. You need to compare to find the right cover for you. Some insurance companies have certain exclusions so you need to make sure that you read the policy carefully to make sure that you understand it fully.
Look at excess
Different insurance companies offer various rates. The amount of excess that you can pay is something that you need to consider when comparing car insurance rates.
Find out if you’re eligible for discounts
This is one of the easiest ways that you can save effectively. By comparing discounts that you can get you will be able to make better savings.