Buying car insurance is never a thrill, but it needs to be done. No one wants to spend a lot of time searching and in the end overpay for their insurance policy. The short and detailed guides from MrKumka.com will help you to buy car insurance quickly and seamlessly while still getting the best price for your driving needs.
and agents who do not offer any concrete insurance quotes without getting your contact information
such as MrKumka.com, you can get a quote in less than 1 minute without having to share your phone number or email
For example; if you do not park in an area that floods, you may exclude coverage that includes flood damage protection.
This may increase your risk if you have a car accident with a luxury vehicle, but if you are generally a safe driver and have a dash camera then choosing less coverage will help bring down the costs.
and if possible, another one at the back as well. Most insurers provide a 5-10% discount for customers that have a dash camera in their vehicle, it will also simplify your insurance claim process in the event of a car accident.
instead of Dealer Garage for your car repair option. While dealer garages have a much better reputation when it comes to repairing your vehicle, they also tend to be more expensive and help to increase your insurance premium. There are many Non-Dealer repair garages that provide quality service for a lower cost. Selecting this option will help bring down your car insurance cost.
Most insurers give the option to pay for your insurance premium in installments, however those installments are paid with an interest rate. This means that the total amount you end up paying with installments ends up being more expensive than paying your insurance premium fully upfront.
with high driving experience. If your insurer allows you to add more than 1 named driver to your insurance policy, consider adding a family member that has a long history of driving well. This will help lower your insurance premium as there are more reliable drivers under one policy.
This is a highly recommended option as it can help lower your insurance premium and save money. Buying insurance without Excess also raises the chance of negatively affecting your good driving history if you need to make an insurance claim.
if you have multiple vehicles or different types of insurance.If you own more than 1 vehicle, try to insure them at the same time with the same company. Many insurers offer discounts if you insure more than 1 vehicle. Likewise, if you are looking for health insurance or any other insurance, check with your car insurance company if they offer other insurance products. Most insurers will give a discount for customers who purchase multiple insurance products from them.
While this will not bring down your insurance premium immediately, it will help you save up to 40% on your insurance policy in the long term. It is no secret that good drivers are entitled to No Claim Bonuses and other benefits when renewing their insurance.
and agents. If a broker or agent does not want to show you the insurance quote for your vehicle without first getting your phone number or email, this may be something to watch out for. It is likely that they do not have competitive insurance plans or they do not have a reliable service and so by getting your contact details first, they can add it into their database for upselling. After they reveal the premium quote to you and you are not interested, they will persistently contact you trying to upsell you cheaper and less desirable plans only to get a sale and improve the look of their portfolio. Months later, if and when you have any issues with your vehicle, it is highly likely that they will be much less engaging and helpful in getting your issues fixed. At this point you will be the one calling them persistently trying to get the help and service that you rightfully paid for. This is a no brainer, any broker or agent that is willing to show you your insurance quote upfront without getting your contact details is clearly concerned with getting only customers that are interested in what they have available instead of painting a bad deal in beautiful colors.
There are many reliable comparator websites such as MrKumka.com. We will give you a quote in less than 1 minute and we will not request your phone number or email before showing you your quoted price for your vehicle insurance. Comparator websites are great in general because you can cross check what different insurance companies offer without having to visit all of their individual websites. Keep everything in one tab in your browser, see all the different plans, ways you can customize, installments plans and much more. This is a great way to save you time and money, and if you find a plan that suits your driving and financial needs, you can buy directly online or through the phone.
Do not buy a pre-packaged insurance plan that provides a lot of different forms of coverage and protection that does not relate to your driving realities or your life. There are many different insurance types and many add-ons that companies offer, some can be useful but some do not make sense to your every day life, so why pay for these? Why should you pay extra for theft insurance if you only drive your car once a week and have your own parking garage or security? Why would you pay for flood insurance if you live and commute in an area that never floods heavily? Likewise, some brokers or agents will try to sell you policies without letting you add an insurance excess because they can get a higher commission while actually to your detriment. Of course, with insurance excess you end up paying more upfront for your insurance policy but it potentially saves you from unnecessary insurance claims. Make sure that the insurance policy you purchase can be customized before the purchase is complete so that you can add and remove any add-ons that don’t make sense to your lifestyle.
There are many car insurance types where some offer sufficient coverage and while others less so. If you’re looking to save a bit of money on your insurance premium and you do not drive your car a significant amount, there is no need to purchase the most expensive policy. You should purchase a policy that would provide coverage that is relevant to your driving behaviour, even if it means choosing a lower class of insurance. This may increase your risk if you have a car accident with a luxury vehicle, but if you are generally a safe driver and have a dash camera, then choosing less coverage will help bring down the costs. There are some valid differences between a Type 1 and a Type 2 insurance policy that shift the risk factor, but ultimately you should decide without feeling pressured to choose the more expensive policy as long as you can be honest with what you know about your driving history.
and if you can, install another at the rear of your car as well. Most insurance companies will give a 5 - 10% discount for any customer that has a dash camera installed in their vehicle. This helps the insurance companies assess the risk of any future claims that may come from car accidents as well as give a bit of an indication about the driver of the vehicle. A driver that thinks a bit ahead and cares enough to install a dashboard camera in their car, is obviously someone that will be on the look-out for potential accidents and pay attention to the driving conditions. Having a dash cam will also help to simplify your insurance claim process in the event of a car accident. If you have a video of the accident, there is no speculation for who is at fault, what caused the car accident and something distracted the driver from being able to drive safely. Basic dash cams can be quite cheap, will last a few years but will save you a decent amount of money every year that you have to pay for your insurance premium.
instead of a Dealer Garage when you need car repair. Dealer garages tend to have a much better reputation for vehicle repairs because they usually work on the same brand of car continuously and for many years, they are also likely to be more expensive and drive up your insurance premium. This does not mean that all non-dealer garages are terrible or provide substandard service. There are plenty of Non-Dealer repair garages that offer great service for a lower price and have a loyal customer base. If you really need to bring down your car insurance cost, choose to repair your automobile at non-dealer garages. One of the benefits of this option is that you can research the repair garage online before deciding to take your auto for repairs there. If you notice a significant amount of bad reviews from a particular shop, you can always request for your insurer to offer you another repair shop with better customer rating.
Many insurance companies these days have the option for you to pay for your premium in monthly installments, and while it does seem better in the short term, it actually does not save you money in the long term. If you compare the total amount you have to pay for your insurance premium annually versus the total amount you have to pay for your premium in monthly installments, you would see that with most insurers, the monthly installment option amount would be more expensive. This is because those installments are paid with an interest rate that is charged every month when you pay your installment. There are some insurers that will offer the installment option with a 0% interest rate, but this is not so common to find because it does not benefit the company and increases the risk for them in case a customer decides to stop paying before the year is complete. In most cases, the total amount you end up paying with monthly installments would be more expensive than if you were to pay for your full insurance premium annually.
preferably ones with significant driving experience. If your insurance policy allows adding more than 1 named driver , consider adding someone in your family that has a good driver history. This will immensely help in lowering the insurance premium on your policy. The reason is simple, if there are more than one reliable drivers listed under one insurance policy, insurance companies take on less risk insuring your automobile since a historically safe driver will be driving it at least part of the time. If you are able to add an older member of your family with significant driving experience as one of the named drivers in your policy, it can get you pretty far in reducing your insurance premium.
This is a great choice to make as it can remove alot of consequences for your good driving history if you have a car accident and need to claim, nonetheless, this add-on will help you save money.and lower your insurance premium. Insurance excess or an insurance deductible was created in order to give car drivers the option to repair their vehicles themselves for minor or small damages to their vehicle without having to file an insurance claim. This helped many drivers keep a good driving record with their insurance company while paying themselves for any minor scratches or bumps. This has been beneficial to the driver in the long run since they would not have to file an insurance claim for small accidents but still reap the benefits of the No Claim Bonus. With most companies, insurance excess is added on top of their policy and by choosing to add excess, most insurers will give you a lower insurance premium. This is encouraged for most drivers and you can save a sizable portion of money by utilizing the insurance excess add-on.
if you own multiple vehicles or need different kinds of insurance.If you have more than 1 vehicle, it would help you save money by insuring them at the same time with the same insurance company. Many insurance companies will offer you a discount if you insure more than 1 vehicle with them. This is something that you would need to negotiate with your insurance agent when you are working out the details for your car insurance policy, make sure to mention that you have more than one car or other type of vehicle that also needs insurance. Many insurance agents will be able to find a way to give you some form of a discount because it means they were able to sell more than one policy. Making a sale like this is a big benefit to the insurance company and the insurance agent, so you should be able to get some of that benefit for yourself as well, as long as you are willing to mention this and negotiate the price down. But this form of a discount is not only exclusive to automobile insurance, if you are also looking for health insurance or any other insurance, you inquire with your car insurance company if they cross sell any other insurance products. Most insurers will be able to give a decent discount to customers who buy multiple insurance products. But its important to mention this to your insurer when you are starting the purchasing process so you are able to negotiate a lower premium before you have already committed to a policy.
Unfortunately, this will not immediately help you bring down your insurance premium cost, but it will help you save upwards to 40% on your insurance policy in the long term. There are no secrets that good drivers are granted a No Claim Bonus and other benefits when it comes time for insurance policy renewal. Although it does not help you with premium costs if you are just purchasing car insurance for the first time or you are a young driver with little driving experience, but even after one year of driving carefully, you will be eligible for some amount of No Claim Bonus. When it is time to renew your car insurance, you will be able to use your No Claim Bonus to lower the cost of your premium and save some money. Being a good driver doesn’t pay off immediately, but once you have proven yourself to your insurer, you will begin to see the savings you are entitled to.