Car Insurance

Are you thinking of getting car insurance and are not quite sure of where to go or what to get? Look no further we provide the best and highest quality reviews and information regarding insurance and anything relating to it. We have experience in the insurance sector from many years of service and research into different specialisations however we have focused on automotive insurance also called car insurance. Getting cheap insurance can be a very long and tiresome process for most people, in fact statistics say that most people are not even aware that they could be paying less and getting more coverage for what they are currently paying. We are here to help! We provide different articles about the car insurance sector and also will be posting high quality reviews about different car insurers and how they stack up to the competition.

Car Insurance Reviews

Talking about car insurance reviews, reality is that most car insurance companies do the bidding by paying others to write positive reviews about them, all in a quest to get unsuspecting clients to sign up with them. As if that is not all popular top brand insurance companies are known to drown potential clients with the best adverts and before anyone knows it, they are signed with them. In this case by letting all consumers take the wheel, all are free to post their individual reviews and tell of their experiences with the insurers to other consumers. This way not only will you be able to warn others of bad services being provided, the chances of getting to know the best insurers in the industry are high. On our part we will do a bit more and tell you exactly the kind of services to expect from the insurer in question, any hidden charges if applicable, the yearly rates, hikes if any, charges applicable and processing time so that you don’t have to do all that. However before looking for the best insurance there are some questions one has to ask themselves.

car insurance
Frequently Asked Insurance Questions:
  1. Why do I need car insurance?
    It is illegal to drive without car insurance! This is true throughout the US and all of north america. Insurance provides the ability to cover the medical expenses and expenses of someone you may injure even if you may not have otherwise been able to pay those expenses yourself.
  2. What are the differences in Policies?
    There are a number of insurances that exist, however the main types are;
    1. Liability insurance. This basically is insurance that covers you in case you are involved in an accident and it is your fault. This way your insurance company will pay costs relating to the damage, including medical expenses and other expenses that have been incurred.
    2. Collision insurance. This type of insurance covers losses incurred when your vehicle either hits another car or an object when driving.
    3. Comprehensive insurance. This car insurance covers costs incurred to your vehicle in the event of an accident including accidental damage and collision.
    4. Medical expenses. They not only cover you as the driver but also cover specifically on anyone riding with you also known as uninsured motorist. Costs incurred if the other party is unable to pay and rental car problems also known as rental reimbursement.
  3. What is a deductible?
    When you buy a cheap insurance, one of the decisions you have to make is on the amount on deductible. A deductible refers to the amount of money you need to pay if you need to use the insurance before the company pays for the rest.
  4. What are the premiums like and how do I keep them low?
    Premiums are the charges that car insurance level on motorists, usually you can pay these either yearly, quarterly or monthly. Of-course the yearly option allows you to pay a lower rate then the monthly would allow. Keeping these premiums low depends on your driving record as well as your skills at being a savy shopper! Shopping around for different rates can get you a policy better tuned to your needs and at the lowest price possible (our articles are here to help!)
  5. How do i keep my premiums low?
    The car you drive will greatly affect your premium.The higher your vehicle value,the more it will cost to insure it. To lower the premium, you might consider driving an older or less valuable vehicle. Other factors to consider include your age, driving record, use for the car as well as your location.
  6. What are the different Use classes of insurance?
    Many company's offer packages based on class for example a. Social only, social including commuting, business use, and commercial travelling. This means that dependant on your daily use you will have different premiums for example business use may have a lower premium than social use do to the different risks involved. Its important to keep these in mind when choosing a plan.