If you own a Peugeot, take advantage of some very cheap car insurance deals for 2011 and 2012. This post from Car Insurance Blog tell you where to get the best deals available:

If you own or are thinking of buying a new Peugeot there are some great deals available at the moment, however it is worth comparing different options. Perhaps the best offer comes from Peugeot itself who are offering 3 years ‘free’ fully comprehensive car insurance as part of an aftercare package with new cars called ‘Just Add Fuel’ which also covers maintenance and warranty. There are however quite a few restrictions to who can be covered:

• Drivers over 25 (Over 30 for 308 CC 156bhp models) and under 75.
• A maximum of 1 motoring conviction in the last 5 years (CU, MW, PC, PL, SP, TS codes only).
• Must have a minimum of 2 years No Claims Discount.
• A maximum of 1 fault or theft claim per driver in the past 3 years.
• All drivers must have a full UK/EU licence for a minimum of 2 years

The cover is provided under a scheme from a UK Insurance company and the normal rules for no claims bonus etc apply during the period of cover. The policy does have a high excess which means if you make a claim you’ll have to pay this amount. Another downside is that young drivers under 25 who might have been tempted by the sporty Peugeot 207 for example, are excluded.

If you don’t fit the criteria for new Peugeot car insurance, you should compare Peugeot insurance quotes here at Car Insurance TV.

Our new Peugeot Insurance comparison system brings you a very wide range of Peugeot Insurance schemes and policies with a choice from over 130 different FSA registered UK Insurance brokers, brands and specialist car insurers.

Cheap Car Insurance For Peugeot Owners is a Specialist Car Insurance post. If you own a specialist car you can compare car insurance at the UK's largest specialist car insurance comparison website for cheaper cover and quote savings.

Car Insurance Comparison Sites – Help or Hindrance?

Road Kill or RSPCA?

They are everywhere you turn….

There’s no escaping them!

They are certainly more indigenous to the UK than any other country to date and although everywhere are not really understood by humans, some who choose to ignore their presence totally.

They are widely cared for amongst the young and patient and they are a very eclectic bunch of ‘animals’.

You’ve got Tigers, Elephants, Rhinos, Dogs even Froggies and of course Meerkats to name but a few.

Yes of course we are talking about Car Insurance Comparison sites!

Car Insurance comparison sites are not a new concept, however the modern beast is a lot different from what was available in the high street thirty years ago.

People have always wanted to compare prices to get the best deal and the British car insurance buying public had and still do have a penchant for a deal and cheaper car insurance.

In those days the only option for the savvy buying car insurance punter was to visit a high street car insurance broker. Car Insurance Brokers in those days would be able to offer you a limited choice of policies depending upon how many agencies they had managed to acquire with underwriting agents or car insurance companies. Quite often the car insurance comparison was done manually by a clerk from a printed book of rates. There more advanced and bigger brokers would have had what were called car insurance rating front ends connected, sometimes, to  EDI systems that passed the business onto the Insurance company. This was the only way you could compare car insurance. The alternative would have been to visit a  tied agent who would only offer you one car insurance policy from the agency he was tied to. Surprisingly though, the agents were quite often cheaper than the crude car insurance comparison systems that existed, and funnily enough this still holds true today to some extent!

The first car insurance comparison websites were British and appeared on the Internet over twelve years ago. They were not the sleek sophisticated processes or services that a few now operate. Nor did they compare much because very few insurance companies or car insurance brokers had the capability to provide rating engines in real time. Consequently the so called aggregators of the time were initially limited in the range and scope of their insurance offerings and the high street broker with many agencies and new PC’s could probably compare more car insurance polices than the new  young comparison offerings of the time.

The actual technology itself behind the car insurance comparison site is basically the same now as it was twelve years ago, however the ubiquitous availability of Broadband and the rise of Generation E, have made the markets and technologies available to the whole UK public, and a worthwhile proposition for just about every investor and insurance company with nous.

One of the many complaints often heard voiced about car insurance comparison sites is the speed or response of the website and the length of the wait before the quotes that have been compared are returned.

This problem is partly as a result of the success of the car insurance comparison websites themselves, and their desire to offer more quotes compared to the the public, but also a result of the underlying technology used by them.

Since their early days large car insurance comparison websites have used what is known as screen scaper technology. This enabled them to collect all your car insurance details in one form on their websites, whilst in the background the server would be form filling the online application forms at the car insurance providing affiliates or underwriting insurance company website.

Before presenting the quotes back to the Internet User to ‘compare’, they have to ‘aggregate’ them into one webpage  – hence the long wait.

Many of the largest companies you see offering price comparisons online still use this method.

A much quicker method for serving up car insurance comparisons opn the Internet is integrate the rates for each policy  into a local database that could actually deliver real time comparisons in an instant.

However the big names still employ screen scraping in a bid to get as many offerings on the site as possible. So many car insurance price comparison websites have foregone speed to deliver volumes of quotes compared.

Not only is this delay frustrating for the user but the majority of quotes returned are outside the ‘buying parameter’ of the potential car insurance client!

Despite all these growing problems car insurance comparison sites are becoming more popular every year and will soon become the de facto method of enquiry about the costs of motor cover even if people still buy from a broker.

Car Insurance Blog sent Dave Healey along to talk to the folks at Car Insurance Comparison one of the UK’s newest and quickest car insurance comparison sites and part of the compare.com group, to find out just what is involved in an online car insurance comparison site and why do people use them?

Spokesperson Lee Andrews explained.

“Car insurance comparison sites team up with a range of different insurers allowing them to provide a large number of quotes, ordered by the lowest first. This allows the consumer to select the cheapest or quote that’s right for them.”

“It’s really easy to use!  Firstly, you will be asked to enter your details into the comparison site being asked various questions such as make, model and value of the car and your history as a driver. All these questions are fed into each insurers quotation engine and a quote is sent back to the comparison site, these are then presented to the user to select from.”

“This is a proven process and is almost guaranteed to save you money if you have never used a car insurance comparison site before and the higher your premium, the more you are likely to save with a car insurance comparison.”

“Most comparison websites will compare anything from 30 to over 100 insurers and chances are the more they compare, the more likely you are of saving money on your renewal price. The list of insurers to each site usually differs between one comparison site to the next so it might be a good idea to try 2 or 3 of the big ones in order to ensure that you are obtaining quotes from most of the market.”

“When selecting a policy, try to bear in mind that price is not everything, take into consideration the amount of excess, and additional cover such as breakdown or legal cover included in the price. Also be sure to check the interest rate if you are paying by instalments – they may have provided the lowest quote but you could end up paying more back after interest has been added.”

“Finally, be sure the company providing your cover is a reputable company, if the lowest quote is from a company you have never heard of, and the next quote in the list is a well known company it might be worth paying a little extra for peace of mind.”

So there you have it from the ‘horses mouth’! Remember to visit a few of the less well known car insurance comparison sites qwhen shopping around for those hidden bargains. There are many specialist car insurance comparison sites these days on the Internet, which allow the customer to compare classic car insurance to comparing quotes on the one hand and specialist kit cars on the othe ‘paw’.

Happy hunting!

Related posts from Car Insurance Blog:

1. New Car Insurance TV Advert Causes Controversy (9.039)
2. High Performance Car Insurance Comparison Website (8.258)
3. Moneysupermarket.com Car Insurance Review (8.208)
4. Getting the best Convicted Driver Insurance (7.652)
5. Refused Online Car Insurance? Computer says No! (7.298)From → Car Insurance Comparison Sites, Car Insurance Rating, Compare Car Insurance, Compare Car Insurance Quotes, Compare Classic Car Insurance, Compare The Market, Comparing Car Insurance, Confused.com, Cover Comparisons, Elephant car insurance, Go Compare, Moneysupermaket.com, Price Comparisons, Quotezone, Rates, aggregators, car insurance, car insurance online, car insurance quotes, car insurance rates, car insurance supermarket, compare performance car insurance, compare quotes, compare specialist Classic Car Insurance, quotes

Car Insurance Comparison Sites is a Specialist Car Insurance post. If you own a specialist car you can compare car insurance at the UK's largest specialist car insurance comparison website for cheaper cover and quote savings.

When you need a cheap car insurance quote in the us these days, you are so much smarter if you will just do it over the internet. You may not think of it in these terms, but you are actually saving yourself a lot of money in the process because you don’t even have to waste time or gas in the process. And the fact that it is makes online car insurance that much better.

There is no reason why you cannot get your car insurance online. After all, every other kind of business is being transacted over the internet these days. You must agree with me also that they are often cheaper and faster to transact, which of course is a major plus for you. Now you have nothing to worry about. No?Getting great auto insurance is easy if you want it badly enough. What you need to do is to get a number of quotes from various insurance companies and compare them. You will know the one you can afford when you see it.

Before signing up for online car insurance online, you may want to take a look at the rates that are offered by various car insurance outfits. That mean you will need to take a look at the various websites out there. But since this can be done within minutes, you can be through with your decision in no time at all.If you have been driving for a while, you have a clue how many miles you log each year. When you are looking for really cheap car insurance, this is the best way to do it. You just let them know how much you anticipate each year and you pay for precisely that. You don’t have to pay a cent more than you use.

The rates offered by online car insurance are easy to peruse and decide if you like them or not. The best part is that you don’t have some insurance agent breathing down your neck while you are it to make a decision already. As such, your decisions are more your choice than choices made under duress.Driving a car without insurance anywhere in the anywhere United States is illegal, even if the penalties vary across the country. Rather than leave yourself open to all kinds of litigation, you might as well get you some cheap car insurance. It better than nothing, and you know it.

An Interested Observer Points Out The Good Things About Auto Insurance is a Specialist Car Insurance post. If you own a specialist car you can compare car insurance at the UK's largest specialist car insurance comparison website for cheaper cover and quote savings.

With both car insurance comparison website car-insurance.tv last week predicting a hardening market for and now the AA predicting massive premium hikes this is unwelcome news for both the private car owner and the UK economy as a whole, which hardly needs any more inflationary pressures.

Owners of specialist or expensive cars are more likely than the competitive middle market, to feel the brunt of the car insurance premium hikes.

Here’s what Insurance Blog has to say on the matter……….

UK Car Insurance Rates Must Harden As Loss Making Companies Claims Reserves Run Dry!

Incredibly Car Insurance companies in the UK are struggling to make a profit and 2010 is likely to see a large reduction in the supply of car insurance, with many famous brands and suppliers predicted to disappear from the high street and our television screens as the market adjusts to cater for the massive losses, according to analysts from car insurance comparison website Car-Insurance.tv.

Recently released figures show that the UK Motor Insurance market has been consistently losing money since 2004 when the total UK profit from underwriting car insurance policies was £77 million.
In 2007 the UK car insurance market made a £1.1 billion underwriting loss, last year the loss was £1.3 billion and the figures for 2009 are expected to be worse……..

Very few car insurance providers have escaped the losses and are profitable, whilst many have released claims reserves held from previous profitable years to disguise the ‘actual ‘ loss.

So what is causing such massive losses in a large compulsory market that not so long ago was the most aggressive in the world?

On the face of it the answer appears to be simple …… The Cost of Claims!

Claims are the problem not because the Car Insurance Companies have failed to include the rising costs of claims into their pricing structures; but because they have failed to cover the true costs in the retail price!

Car Insurance underwriters seem to have forgotten the basic rules of betting when setting their prices – and that is, that the Bookie never loses…….

To understand where the car insurance underwriting companies have gone wrong you first need to examine how they arrive at the price of a car insurance policy premium.

The cost of your car insurance premium is basically made up of three components:

1. The costs of production – Staff, Systems, Distribution etc
2. The costs of losses – known claims ratios ( the proportion of a policy premium pool that gets eaten up in claims)
3. Profit

The cost of all these components can be calculated by clever people called actuaries who work for the insurance companies and the rates set accordingly.

So what’s gone wrong?

Well naturally it is obvious to first look at claims as the cause of the losses – but the truth is far from this end of the life of a car insurance policy……

The frequency of claims has either fallen or remained fairly constant over the period of losses and the actual cost of claims has only risen by 1 percent.

Despite all the noise made about gangs of car insurance claims fraudsters roaming the streets of the UK, the fact of the matter is that most of this is propoganda aimed at deterring fraud which naturally rises during a recession/depression. The number of fraud cases are really insignificant in the true scale of the market to affect pricing.
Admittedly there has been a significant increase in the number of personal injury related claims, egged on by claims farming companies, which would affect long term pricing, however the losses experienced by Car Insurance companies are nothing to do with claims and claims pricing.

These type of claims fluctuations have always been dealt with successfully in the past by car insurance companies by adjusting reserve ratios or negotiating better re-insurance ( laying the risk off), or more importantly by adjusting price ……..

But this time something is different….

Car Insurance Companies can no longer set the price! Not if they want to win the business anyway!
And they certainly cannot sell policies at the premium levels that the Actuaries suggest!

Why? Seemple …….The Internet!

And more importantly Car Insurance Price Comparison websites or aggregators as they are known in the industry, which account for around 90 percent of the Car Insurance sold online. Since around 2004 it has been possible to easily compare car insurance quotes online from numerous suppliers, and invariably the cheapest premium wins the business.

Car Insurance companies not longer set their own prices! And this is the problem!
In a race to achieve enough volume to make a book of car insurance business profitable the car insurance companies have been selling their car insurance polices too cheap and covering their losses with their claims reserves……..time is running out!

For the consumer then as we enter 2010 it looks as if the best policy is still to visit comparison websites where you will be offered a choice of suitable policies at the most competitive prices.
If you stay with your current insurer – expect large premium hikes at renewal!
Shop around for specialist car insurance as prices are going to vary widely.
Visit a specialist car insurance comparison website as there will be many offers to be had as companies try to secure volume of car insurance policies.

specialist car insurance

Car Insurance Premium Hikes Set for 2010 is a Specialist Car Insurance post. If you own a specialist car you can compare car insurance at the UK's largest specialist car insurance comparison website for cheaper cover and quote savings.

With the hardening of rates in the UK car insurance market and the recession, price is most peoples consideration when purchasing cover, but one of things you should not overlook is who is going to repair your car if it is damaged in an accident and you need to claim?

This is especially true if you own a non-standard car? Non-standard are cars that don’t fall into the mainstream set that the large insurance companies like to cover. Surprisingly a large number of vehicles fall into categories that the majority of mainstream insurance companies do not want to cover!

Such examples that may struggle to obtain motor insurance at reasonable rates are owners of high performance, prestige, expensive, luxury, grey and foreign imports, kit cars and q plated cars, sports cars, convertibles, muscle and modified motors, vintage, veteran, collectors and classic cars.

More importantly if you are the owner, if something happens and you need to make a claim on your policy, it is important that your car gets fixed by specialist professionals, using the correct parts and not cheap substitutes. More often than not these type of car repairs require unique tools that are only available through specialist engineers and motor engineering repair shops that deal with particular models.

So it is most important when comparing car insurance to also compare the services that a car insurer offers in the event of a claim, especially those regarding choice of repairer. Bear in mind that cheap car insurance bought through a car insurance comparison website offers no claims services and it will be up to you to fight your corner in the event of a claim, if you don’t agree with what the insurer is offering as recompense.

All specialist car insurers and many insurance companies will offer a choice of repairer – many others will not as they have existing arrangements with so called approved repairers.

Trouble arises when an insurance company insists on employing a particular firm to fix the car against the policyholder’s wishes, and it is not uncommon for major disputes to arise at this point.

For example, the insured may have an expensive Italian sports car bought from an exclusive importer and specialist firm of dealers who added a number of accessories and or modifications to the car at the insured’s request at the time of sale; the same firm may have performed all the routine servicing since the sale and the insured may genuinely feel that they ‘know’ his car better than anyone else could, and that only they, in consequence, should be entrusted to carry out the repairs.

If the repair work quoted in an estimate by the specialist firm is substantially higher than that expected from the approved repairer and the car insurance claims department consider that the approved repairers are capable of carrying out the work to the same standard as the specialists , then the only way out of this impasse is usually for the insurance company to suggest that the insured pays the difference!

Clearly then it is very important to understand what you are buying with your policy when it comes to claims and repairs. Specialist car insurance policies always offer unique claims repair services and if you own an unusual, expensive, classic car or performance motor, then it would be sensible to opt for a specialist classic car insurance or performance car insurance policy, that includes these repair services to avoid the above situations. What might look like a cheap policy might turn into fools gold in the event of a claim!

specialist car insurance

Get Specialist Car Insurance If You Need Specialist Repair Services is a Specialist Car Insurance post. If you own a specialist car you can compare car insurance at the UK's largest specialist car insurance comparison website for cheaper cover and quote savings.

Spokesperson for the company, Patricia Powell, which operates the UK specialist car insurance scheme comparison website said,
“This new venture which brings together over eighty high performance car insurance schemes, and allows customers to compare products and tailor bolt on covers is a follow on the success of our make model insurance comparison applications, for example the Ferrari Insurance comparison.

Specialist Car insurance is growing and more schemes are being added all the time as various providers cater for more niche groups in an ever competitive market. Our website allows customers to get the best cover for the best price, and with the price of high performance car insurance, we beleive and our customers report that we are providing a valuable service!”

specialist car insurance

High Performance Car Insurance – Not just Ferrari Insurance! is a Specialist Car Insurance post. If you own a specialist car you can compare car insurance at the UK's largest specialist car insurance comparison website for cheaper cover and quote savings.

Finding cheap car insurance can be like looking for a pot of gold at the end of the rainbow. Everybody is looking to make savings on their annual motor insurance premiums as the recession bites. We offer 7 proven money saving tips that will help you purchase cheaper cover online.

1. Improve you car’s security to deter theft

Virtually all modern cars and newly bought vehicles have in built anti-theft devices and alarms. As long as they are approved by the UK Government testing agency known as Thatcham, you will receive substantial discounts for implementing one.
Extra and additional security measures such as window and glass etching of your cars number plate details and engine number will command further discounts with some insurance companies.

2. Pay for the cover upfront

You could save as much as twenty five percent on your annual premium charges if you pay for the whole years cover upfront, at the time of purchase. Most car insurers charge this amount in interest over and above the basic premium cost, for the privilege of paying for the cover in installments or by credit card. Additionally avoid untried pay as you go insurance schemes – you may be in for a very unpleasant surprise.

3. Do not change cover mid-term of the policy

It is also a wise move not to change your car insurance provider in the middle of the current policy term. Primarily it is going to cost you more, as canceling an existing policy will only get you a small return on your annual premium and not a pro-rata payout for the amount of time you have left. Secondly it is highly likely that car insurance premium rates will have hardened or risen over the course of a policy and changing mid term will only ensure you pay more earlier.

4. Do you own more than one car? Try a Multi Car policy

If you own more than one car and perhaps have separate policies for these or for your wife, partner or children it would be worth your while investigating multiple car or mini fleet family policies. You may be surprised at how much you can save on annual premiums if you insure multiple vehicles under the same cover. Quite often the cost of insuring two cars can be virtually the same as one, particularly if one car is much more expensive than the other.

5. Keep an eye out for Group Discount policies.

Many car insurance companies offer premium discounts on cover if you belong to certain clubs or are affiliated with certain organizations. When purchasing online keep a look out for affinity codes, usually your membership number, in order to obtain what are often substantial discounts for being a member of a certain risk group. Visit a specialist car insurance company or apply for your groups car insurance scheme through your motoring or leisure organization.

6. Take on some of the risk yourself!

You can substantially lower premiums if you take on some of the risk that the policy covers, yourself. You can do this by increasing excesses, which is the amount you will have to pay in the event of a claim before the insurance company pays out. Voluntary excess is one such example. Be careful to weigh up the costs of any excesses and whether you can afford them in the event of a claim. There are now certain ‘value for money’ car insurance policies such as the one offered by Tesco Car Insurance which have very high policy excesses in return for very litlle premium! These are good if you can afford the first 600 of any claim!

7. Improve your credit rating

Most online insurers as soon as they have your name and address will automatically make inquiries to one of the big consumer credit firms such as Experian. Before you have finished filling in the form the car insurance application will know whether you are credit worthy or not. If your credit score appears bad the insurer will probably weight the policy rates against you as they either do not want your business or perceive you to be a greater risk of claiming.

As with all insurance, you can be guaranteed money savings if you take the time and trouble to investigate alternative policies and compare companies cover and quotes on the Internet.

You can find out more about how to purchase, find and compare cheap car insurance quotes online if you visit a specialist car insurance website that compares multiple car insurance schemes and policies and offers you wider cover.

Original Article Source: http://EzineArticles.com/?expert=Dave_Healey http://EzineArticles.com/?Finding-Cheap-Car-Insurance-Online&id=2453854

Car insurance

How to Find Cheap Car Insurance is a Specialist Car Insurance post. If you own a specialist car you can compare car insurance at the UK's largest specialist car insurance comparison website for cheaper cover and quote savings.

The success of these ventures and the new partnership, had led to growth into other areas of the more niche UK Car Insurance Market and our marketing department have noticed Tesco’s spend on online advertising for the specialist and classic car insurance market has risen dramatically in recent months.
Whether Tesco will bring it’s usual success to these specialist car insurance markets and become a classic itself, remains to be seen…….

specialist car insurance

Compare Classic Car Insurance

Tesco starts its own Specialist Car Insurance Company is a Specialist Car Insurance post. If you own a specialist car you can compare car insurance at the UK's largest specialist car insurance comparison website for cheaper cover and quote savings.