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Car Insurance Is Not An Optional Extra

Author : Dakota Lindal

We have so many expenses that we need to pay each month. Strangely enough, we do not complain too much when making our bond payments, as we know that we have a house to go to each night. We have no issue with paying a lot of money on our clothing accounts - how else would we be able to afford our fancy clothes? Even the electricity account is paid with a smile as we do not want to imagine life in the dark without hot water and our television sets!

Why are so many of us complaining each time we have to make a payment for car insurance?

Not many of us have the privilege of being able to buy a car cash, and then if something happens to that car, simply shrugging it off and buying a new one! For that reason, we need car insurance.

It is not necessary to spend an arm and a leg on a car insurance policy. If you are reluctantly paying your premiums each month, consider the following tips and ideas - you might shortly be saving a lot of money on your premiums!

The cheapest type of insurance is third party insurance. If you caused an accident, you are responsible for paying the other party's expenses. This can be expenses in the form of damages to their car or injuries sustained. You can however not put in a claim against your third party insurance in order to cover your own damages and/or injuries. This type of insurance is usually taken out on older and less pricey cars.

Insurance policies usually have an excess amount. This is the amount that must be paid in case of a claim, and is not covered by the insurance company. If you opt for a policy with a higher excess amount your premiums will be lowered accordingly.

Additional security in the form of a tracking device, immobilizer or alarm system should be noted when taking out insurance, as this will put your car in a lower risk group.

Shop around on the internet. Some companies offer discounted rates for policies bought over the internet. Going this route is also very convenient as you can compare anything from 3 to 5 policies in a matter of minutes.

Some insurance companies will lower your premiums if you've done an advanced driving course. This will also make you a safer driver on the road as you are taught how to handle the car in unusual situations.

If at all possible, pay your year's premiums up front. Remember that all money owed, is charged interest and insurance companies work no differently! If you pay your premiums in advance you will not only be saving lots of interest, but some insurance companies might even offer you a further discount on the total policy price.

Don't be labeled as a "bad payer", make sure that you look after your credit record! By missing installments on your accounts or by frequently making late payments, you can very easily be regarded as a high risk client. The bad news is that it will take forever to clear your credit record again.

So stop complaining about your car insurance! Rather rest assured that you are covered in the case of an accident or other emergency.

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Submitted : 2010-11-30    Word Count : 870    Times Viewed: 249