If you have plenty of spare time a good place to start, to get an indication of what the eventual cost will be , is to visit a car insurance comparison site or aggregator as they are commonl;y known. These popular websites compare rates and policies and return quotes , quite often from lots of different motor insurance and car insurance cover suppliers on the same page for you to choose from .

There is more involved to comparing motor insurance than comparing the quotes returned. It is equally important to compare just what is covered under the policy offered.

When comparing quotes always do so on a  like for like cover basis . For example, if a site is quoting a premium with a voluntary excess of two hundered and fifty pounds, ensure the other quotes you compare against this price are offering the same deductible .

Car Insurance polices also vary considerably from one insurer to another with extrasand various discounts often included in the base cover. Therefore , always read the policy wording document before purchasing the insurance otherwise you won’t know what you are buying .

Buying policies online can take a lot of time . Many comparison sites are more often obliged to capture more facts, so getting a cheaper quote can be time consuming . This is because certain of the cover providers on the panel need differing facts about the drivers circumstances or the vehicle, to quote .

Collecting more information will take longer to complete the quotation and purchasing processes where often hundreds of policies are shown , however the time you spend is rewarded with a list of competing companies offering a variety of quotes, which gives you a clear idea of what your cover will cost. These may not be the cheapest quotes you will find online, but being presented with various offers and options is a starting point for identifying cheaper car insurance.

Remember that that many of the more specialist car insurance companies choose not to quote on comparison websites but prefer to deal with the insurance buying public direct.

The direct specialist car insurance companies are also able to offer big savings for buying their products because they cut the costs of production of the policy by cutting out the costs of the middleman or insurance broker. The price savings these websites make by conducting business this way can then be passed onto their customers as cheap car insurance premiums. Specialist car insurance comparison systems typically compare quotes aimed at a small market where the risks are known and the costs of claims can be controlled, leading to cheaper base rates for their clients

Another method is to use a search engine such as Bing to find providers of cover for your particular model or to find specialist providers .
If you own a Volkswagen for example , type the make and compare car insurance into the search engine and you will be shown car insurance websites which are far more pertinent to you as a driver of that car.

Similarly,if you are a young driver if you type this query into the search engine you will be returned with cheap quotes designed specifically drivers  under twenty five .

After the comparison website returns an alternative cheaper provider, make a note of the quote and go straight to the site of the offering company just before your existing insurance cover runs out.

Make sure that clear down the cookies on your browser history , otherwise the Car Insurer will see that it has quoted you before and only offer you the same price . That way you ensure that  you will get any of the latest deals and discounts when you buy the motor policy .

Most of the popular Car Insurance companies in theUnited Kingdom areoffering special deals to tempt you to change from your existing Insurer and renew your cover with them . Make sure you check these offers carefully and be ready to take the time and effort to understand the ‘catches’ if you want to successfully reduceannual costs . Visit a comparison website at renewal if you are a typical driverand do not requirespecial covers. Visit a specialist car insurersite if you are young, old, or own a non standard or prestige car.

Finding a provider which may be more suitable for your needs it is advisable to search online for cover for your make of vehicle. If you have a poor driving history , drive an unusual or classic motor or need specialist cover because of your age or medical conditions there are now many smaller specialist comparison sites that cater for all these needs.

When comparing Car Insurance on the Internet be aware that the amount of quotes returned and the premiums quoted often differ from one car insurance comparison website to another . Often the comparison sites may have negotiated better premium prices with the Insurers for certain types of customer or car make as all car insurance companies have target markets .

For an immediate quote and to Compare Car Insurance call 0800 089 0182

Using Specialist Car Insurance Comparison Systems On-line 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.

One such provider is on-line specialist car insurance comparison website Car-Insurance.tv which is offering schemes from multiple companies including BMW specialist Adrian Flux.

The Car-Insurance.tv BMW classic car insurance scheme allows the user to compare a range of specialist Classic BMW car insurance quotes, policies and schemes and offers cover for every model of BMW built including the BMW Isetta, BMW 501/502, BMW 3200 CS, BMW New Class, BMW New Six, BMW 3 Series, BMW 5 Series, BMW 6 Series, BMW 7 Series, BMW M Series, BMW Z Series and the BMW 8 Series.

Whatever Classic BMW you drive you’ll also have the additional benefit of dealing with real insurance brokers who are there to help you should you have any difficulties or need to claim. Call now on 0800 089 0182 for a quote or more advice about cover for you classic BMW

Specialist BMW Classic Car Insurance Schemes 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.

Go Here:

humanaone

money supermarket car insurance

Automobile Insurance Are You Getting the Finest Deal? 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.

Under the current scheme, buyers can qualify for a £2,000 discount on a new car with a trade-in on a vehicle that is more than 10 years old.

The scrappage scheme was launched in May 2009 with £300 million of funding from the Government and car companies. It will run until March 2010, or when its funding runs out, whichever is sooner.

The scheme continued to help new car sales in August with sales up 6 per cent from a year ago, the second consecutive month of growth.

However, sales so far this year are still 21.5 per cent lower than the same period in 2008, showing that the recession is still biting and questioning the overall impact of the policy. Car Insurance revenues are down in parallel to sales.

In July 2009, UK car sales rose by 2.4 per cent, the first rise since April last year which must given all the other economic factors of the time, be attributed to participation in the scheme.

Dealerships across the UK have reported an upturn in sales as a result of the scrappage scheme with small, low-priced models proving the most popular.

The effect on the specialist car insurance market has been minimal, although one could argue that many future classics have been taken off the road and crushed.

Increased sales in new cars combined with a downturn in production levels from all UK car manufacturers has meant that some new models are now difficult to get hold of.
You have only got to look at the amount of new cars, or lack of them, that appear on the new series of Top Gear, to realize there is something very wrong with the UK Motor Industry.

As a result of the shortage of new models and a waiting list, some car auctions are reporting knock-on benefits as buyers choose used small cars if new models are not available.

James Hawkins, director of Truro-based Hawkins Motors, said he would like the scrappage scheme to continue.

“It’s had a massive impact. We’re probably getting 200 enquiries through a month. I would like to see it extended at least until the spring,” he said.

“In terms of what it has done for the business, it has increased sales rates probably by three times. Korean brands are doing very well. Cars around the £5,000 mark are setting the theme and can be difficult to get hold of.

“The recession has had an impact but this has taken some of the problem away.”

It appears that for many small regional dealerships across the UK, the Government Car Scrappage scheme has been a great sucess and has helped the overstretched economies of rural communities such as Cornwall, through the worst of the current recession.

specialist car insurance

Specialist Car Insurance Unaffected By Success of UK Government Car Scrappage Scheme 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.

It can be quite a daunting experience trying to purchase car insurance, and with the myriad of products and sales channels available today, it is often difficult to know where to start the process. It can be even more complicated when you start to look to reduce your premiums without sacrificing either your levels of cover or increasing your risk.

As most car insurance is basically rated by your birth date and age, and your postcode or zip code, short of moving property or growing older, it often appears that reducing your vehicle insurance premiums is an impossible task.

This is not necessarily so! Whichever method or distribution outlet you use to purchase car insurance, if you consider these twelve money saving tips, implementation of any one will virtually guarantee a reduction to your premiums at both onset of a policy or at renewal. By simply making changes to any one of these premium rating factors that go to make up the quotes you are given, will result in an alternative quote which should be to your favour.Don’t automatically renew your policy with the same company. It is virtually guaranteed that you could get like for like cover cheaper with another insurance company if you shop around and compare covers and prices from different providers.

1. Investigate on the Internet – Visit different suppliers

If you were getting paid at least £150 or $200 for two hours work, you should be pleased. That is the minimum you should look to save on your annual premiums by spending a couple of hours shopping around for quotes on the Internet.

Visit a car insurance supermarket comparison site. If the premiums are too expensive but you like the cover offered by a particular insurance company then, visit the supplier direct and cut out the expense of the middleman.

The large motor insurance comparison sites you see advertised all the time on television will send you off to the suppliers site themselves to complete ‘the deal’, so its best to close down the application, clear the cookies from your browsers memory to ensure that you are not charged their commission inclusive rates, and visit the insurance company direct.

Additionally you should visit a specialist auto insurance scheme provider. These were once only available on the High Street but are now springing up everywhere online. No matter what your particular individual needs, be it lady driver cover or perhaps classic car cover, specialist car insurance providers by their very nature usually offer cheaper quotes as they benefit from the economies of scale allowed by group buying of cover.

2. Do your market research

Who is offering deals on television at the moment? Everybody who seeks motor insurance is an individual with a different car and individual cover needs dependant upon their circumstances. Write down what you think your exact cover needs are and think about where you might find providers for your individual needs. For example, if are you a senior citizen, you should search on the Internet for specialist car insurance schemes for over fifties.

3. Go for a no frills policy

If you are not worried about quality of cover and only require basic road risks, go for one of the many policies now being offered by insurance supermarkets as ‘value car insurance’. These policies usually only offer the very basics of cover required under the Road Traffic Act, however may be very suitable for low mileage, cheap cars and younger drivers.

4. Only pay for the cover for what you need

Why pay for car breakdown insurance or other sometimes hidden extras such as the cost of including a replacement vehicle should you have an accident, when you already have AA breakdown cover and another car sitting on the driveway at home that you could use. Check your existing policy cover details carefully and exclude all unnecessary or duplicate covers.

5. Take on some of the risk yourself with higher excesses

With Car Insurance you have two basic options for taking more of the risk on yourself. These being, one by choosing how much cover you require in the first place, that is, either comprehensive or third party, perhaps with the fire and theft options included. Secondly you are given the option on most systems to choose how much of the cost of damages of an accident you are prepared to take on board yourself, before you call on the insurance company to make a claim. This is known as the voluntary excess and is the amount that will always be deducted first from any amount you claim. If the cost of repairs of an accident are not much more than the voluntary excess amount you have chosen then it would be prudent to pay for the repair costs yourself, rather than lose your no claims bonus.

6. Reduce the cars risk with improved car and location security

If you park your car off road or garage it at night you will receive further discounts. If you own a classic car which does not have them fitted as standard, fitting security devices, for example car alarms, immobilizers and GPS trackers to your car will substantially reduce your premium

7. Improve your driving or change your lifestyle

If you need to make a claim because of the way you drive, or if you have more than one SP30 for speeding, your premiums are going to be heavily loaded at renewal. You can reduce your insurance costs therefore by improving the way you use your car or changing your lifestyle.

8. Cut down on your Car’s Usage and annual mileage

By thinking about how you use your car and reducing unnecessary journeys you will be cutting down on your cars usage and by implication the risk you present to a car insurance underwriter. Check how many miles you run up each year and make sure that this is what you are paying for! Do not make a false mileage declaration in an attempt to save money because in the event of a claim, your mileage and MOT if applicable will be noted by a claims assessor. If there is significant difference between the declared mileage and the actual amount you have driven, you risk having the claim refused or seriously reduced in value.

9. Pay the full premium amount upfront and avoid charges.

Most UK car insurance companies charge additional costs for handling monthly direct debit payments. There is often a five to ten percent effective discount if you pay immediately online or over the phone by debit card.

10. Investigate Specialist car insurance and Car Insurance Schemes

Investigate insurance specialists that target specific groups of people of car type, for example performance motor insurance or cover for young drivers. These schemes offer with unique policy options and cover modified for the particular specialist driver group. They are often far cheaper than standardised covers offered by comparison sites as they have group bulk buying economies of scale regarding underwriting and claims and a known risk pool of similar types of people and car.

11. Join a Car club

Many car owners clubs and specialist marques clubs have special affinity group rates for specialist car insurance schemes. The cost of getting membership of these clubs can often be less than the five to ten percent savings you can make on your premiums by joining such a scheme.

12. Take an Advanced Driving Course

You can save a further large percentage with most online insurance companies if you have taken an advanced driving skills course or ADC. The courses are run nationally and the cost of the course is outweighed by the annual savings you will make on your insurance premiums. The savings are greater for young drivers and this is one of the few positive actions that a young driver can make to reduce his or her annual vehicle insurance costs.

And Finally – Haggle!

And here’s an extra tip which we often find works when all else fails. Complete a quote on the Internet for the policy you desire with the company you like. Do not complete the quote beyond the screen where the premium prices are displayed, merely save the quote reference number. Quotes are usually legally binding for thirty days.

Leave it a while then pick up the phone and call the insurance company. Tell them that you’ve had problems completing the quote online. They will ask you the quote reference number and then have all you details in front of them. When they tell you the quote amount (which you should know already), tell them that you’ve got a quote that is, say a hundred cheaper at so and so company, and ask if that’s the best they can do. Just by haggling you will be surprised just how much you could save on your car insurance costs!

Dave Healey is a specialist car insurance expert whose field of expertise extends from underwriting Classic Car Insurance polices at Lloyds , to designing car insurance supermarkets online.

Article Source: http://EzineArticles.com/?expert=Dave_Healey
http://EzineArticles.com/?Twelve-Car-Insurance-Money-Saving-Tips-For-Much-Cheaper-Premiums&id=2141735

Car Insurance Money Saving Tips! 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.

Classic Car Insurance – Change Your Lifestyle and Save Money on your annual premiums
By Dave Healey

Change your lifestyle and you will be eligible to apply for all sorts of non standard specialist car insurance that is tailored to a particular genre or lifestyle group or club. The lifestyle factor is more predominant in the calculation and issuing of policies for classic cars than in any other form of specialist motor underwriting.

Classic car insurance policies are now based primarily upon usage limits and consequently tend to reflect the fact that classic cars are used differently than a normal everyday car, although the types of use social, domestic, pleasure, business and commuting, or for hire and racing, will still apply. Many a beloved classic motor will stay under wraps in the garage for many a month and is only brought out and paraded for special occasions and events.

The range, length and risk of these events will undoubtedly determine the level of price for a specialist classic car policy. Such events can be as innocuous as local classic car club meetings at predetermined destinations, fun runs, treasure hunts, vintage runs, air shows and displays, national classic rallies, film shoots, motor shows, trade shows or as extreme and heavy premium carrying as classic car racing or hill climbing.

Most specialist motor underwriters therefore appreciate that you may need a more tailored and flexible type of car insurance for a classic car, one that allows you to fit the policy around what is effectively your lifestyle risk. Your risk levels are calculated upon the way you use the classic car and the number of miles distance you cover in that car each year. These so called rating factors are adapted to play a much larger role in the calculation of a classic car insurance premium than the traditional factors that weigh heavily in standard car insurance premium calculation, such as Age or Gender.

Price has tended in the past not to be a large driver in the classic car insurance market, where quality of cover for cherished vehicles has always been seen as the primary marketing message. Underwriters have appreciated that the classic car is quite often considered as a ‘baby’ within the family unit and may in the past have taken advantage of the irrationality when considering price. However the introduction of many classic car insurance comparison websites on the Internet means that premium levels can no longer be ignored and that customers now rightly demand service and cover for their specialist car insurance lifestyle vagaries, at the right price.

It is now possible to obtain tailored online cover for even the most obscure car marque and the introduction of online underwriting has introduced a welcome level of competition into what had become a stagnant market. Group and affinity market buying power has also helped stimulate growth and push premium prices down through bulk buying power schemes. Whatever aspirations you may hold as a classic car owner it appears that with technology you are more increasingly likely to be judged financially by your lifestyle than its trappings that you must insure.

Dave Healey is a specialist motor underwiter who has been underwriting Classic Car Insurance polices at Lloyds for over thirty years.

Article Source: http://EzineArticles.com/?expert=Dave_Healey
http://EzineArticles.com/?Classic-Car-Insurance—Change-Your-Lifestyle-and-Save-Money&id=2036361

Save Money on Classic Car Insurance by Changing Your Lifestyle 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.