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The UK Consumer's Guide to Shopping for Car Insurance Online




By Mary Simone

To be truly successful at shopping for car insurance online, the consumer must find the best deal available on the Internet, not merely the first offer for cover that appears on the screen. The good news is that the World Wide Web alleviates the need to travel from one insurance office to the next, as a click of the mouse has replaced the need for an afternoon off, a telephone call, and even a tank full of petro for the car.

It may or may not come as a surprise, but there are quite a few factors that influence the price and coverage of your car insurance policy, including the vehicle you drive. If you're insuring a car you already own, be sure to check with a variety of insurers for the best deal. If you're out shopping for a new auto and looking for the best prices, such things as the car's age, engine size, power, and theft rate each have a different effect on the overall premium cost.

Another important factor when shopping for car insurance is one that a driver has absolutely no control over, and that's their age. For the newer drivers, the lack of experience usually leads to more moving violation and accidents, which translate into more claims and loss of funds for the insurer. Generally speaking of course, the premiums for your auto insurance will drop as you gain more experience. The average 50 year old searching for the best insurance deal will be much more successful, more quickly than someone who has just graduated from school.

If your auto has a loan on it from a bank or other financial institution, it's a wise idea to carry "gap cover" on your insurance policy. This type of coverage will protect both you and the bank from an accident in which your car is completely destroyed and the worth of your car falls short of the loan balance due. If you don't have the proper gap cover, you will be ultimately responsible for paying the remaining balance of the auto loan. This is also considered to be "paying for a car you don't have", so be sure to talk to your insurer about having the adequate cover to protect both your car and your personal finances.

Finally, the last bit of guiding involves shopping around and getting a variety of quotes for an assortment of coverage options from several different insurers. But just when you thought the Internet couldn't have made life any easier, websites devoted to the auto insurance industry pop up to make comparison-shopping easier than anyone ever thought possible.
 
 
About the Author
Mary Simone recommends that you visit http://www.onlyinsurance.co.uk/ for more information on car insurance.

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  Some other articles by Mary Simone
The UK Consumer's Guide to Shopping for Secured Loans Online
The Very Basics If we start at the absolute beginning, a secured loan is any loan that's purpose is used as collateral, for example, ...

The UK Consumer's Guide to Shopping for Mortgages Online
Starting with the absolute basics, a mortgage is a loan for a house or other piece of property, financed by a bank or other financial institution. If loan is taken out ...

Guide to Getting UK Car Insurance
Remember back when you had to travel from insurer to insurer or spend hours on the telephone ringing up possible insurers to find ...

The Secured Loan- Uncovered and Explained
Have you ever tried to have a business conversation with a loan professional that spoke to you in such a way that the fancy terminology made you feel ignorant? Did you ...

Everything You Always Wanted to Know About Secured Loans
Since the very first bank in the world opened its doors in 14th century Italy, lenders have been asking for some sort of collateral in order to lend a ...

Shopping for Car Insurance in the UK
Just like with shopping for just about everything else in the UK, finding the best deals on car insurance is as ...

  
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