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Different Types of Health Insurance Explained
Health is the biggest and most crucial asset of every living
being. An unhealthy animal and individual can never truly
experience any joy. It is the wealth of health that provides the
requisite potential to topple over all odds and to move...
Life Insurance - Helpful Tips For Getting A Cost Effective Policy
Copyright 2005 Dean Shainin
Many things factor in with getting a cost effective life insurance quote and policy. It is wise to take some time out and do some important research first. With online access, it is much easier today than it used to be....
Life Insurance - Smokers And Overweights Pay Over 50% More!
The life insurance industry is becoming tougher on smokers and
those of us who are overweight.
When an insurance company calculates its premiums, it has to
work out the risk of you dying whilst the policy is in force.
(Or with Critical...
Mortgage Life Insurance
Owning a home is a dream for most of us, although it is an expensive one. The monthly payments usually take up a big slice of our monthly income, and the sudden loss in the event of you or your spouse's early death may leave your survivors unable to...
Nine Ways To Lower Your Auto Insurance Costs
Nine Ways To Lower Your Auto Insurance Costs You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverage is you request and the kind of...
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5 Steps To Cheap Car Insurance Premiums
Although car insurance is compulsory, it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car insurance rates really can save you serious money.
Step 1 - Excess
The easiest way to cut your car insurance premiums is to cut the risk and accept a higher voluntary excess. An insurer's standard excess may be £100 but if you meet the first £250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft, then a bill for repairing bodywork damage after a car park crunch.
Step 2 - Security
Fitting security devices can also result in cheap car insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security. It saves you money when your insurance renewal is due and gives you extra peace of mind.
Step 3 - Annual Mileage
If your annual mileage is, 5,000 miles or less, ask insurers if they offer discounts for agreed
mileage restrictions.
Step 4 - Named Drivers
Adding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. Adding a young driver will increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is female!
Step 5 - Shop Around
The biggest car insurance savings come from shopping around. This has been made much easier with the explosion of the internet. There can be massive differences between the lowest and highest car insurance quotes for exactly the same car and driver(s). Start off using good comparitive online car insurance quote sites like Moneysupermarket and Screentrade, take their best quotes and go direct to the cheapest car insurance companies for more specific quotations.
About the Author
Copyright © UK Insurance Index http://www.uk-insurance-index.co.uk. All rights reserved. Please feel free to publish this article online provided that the article and this copyright statement remain unchanged with live links.
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