It is a rule by the government of almost every country that people, who own cars, must buy car insurance too. If you are someone who has just purchased a car then get ready to buy the insurance too. Make sure you start early because if you take the car out on the roads without insurance papers and get caught, then you will be in major trouble. So, if you are looking for insurance deals then keep on reading…
1. Look around for good deals – Don’t just narrow down on one place you heard about or someone recommended. Search the internet for deals. Get car quote online and find a policy that works the best for the car. You have to pay premiums for the car insurance so check out something that comes in your range and is a good policy to safeguard the vehicle as well. For example, the Pioneer car insurance Philippines has an affordable premium rate with tons of services. There are several others such reputed ones over the web. Read properly before you buy one.
2. Safeguard the no-claims bonus – A no-claims bonus is the possibly the best way to cut the car insurance costs and so you need to protect it. It could increase the premium, but it also provides a lot of benefits on the costs. Also, the no-claims bonus could vary for different companies. So, read well before you finalise anything.
3. Compare prices – When you are surfing the internet to find a deal, you have the flexibility to compare prices. While you are comparing the prices, make sure you check everything. See the difference of the premium prices, the coverage the policy provides and other factors. You don’t want to buy a policy and then come across something more flexible later. Take your time out and calculate well. If you know someone working at the car insurance company, then try to bargain otherwise also you can give a try at bargaining.
4. The lesser the miles, the better it is – Yes, you read right. The lesser miles your car covers, the more you can save. For instance, if the mileage is around 5000 miles, then you can save about 100 dollars a year when it comes to premiums. Also, if you occasionally use the car for short trips on weekends, then you can find a cheaper deal.
5. Try avoiding any hassles – Don’t drive like a crazy person on the roads. Be safe and gentle. If you keep the car accident free, and there is no chance that you will need help from your insurance company for any fixtures, then you can save some money. Sometimes, there are some repairs the insurance will not cover and for that you will have to pay the charges. So try and avoid rash or drunk driving. Save yourself from an accident and your car too! Also, use your garage for the car because you never know when the car can get robbed.
Consider these points when you are planning to buy car insurance.
