Buying car insurance is one of those tasks in life which is absolutely necessary, yet so incredibly dull that many of us wish we could simply not bother. The following guide will help to take some of the stings out of it by preparing you for the kind of considerations that go into determining the terms you can secure.
What Sort of Car Do You Have?
Potential insurers will want to know what sort of car you are driving. Is it a small family car, a car for a single person, or even an off-road vehicle that will be going over some difficult terrain? Your chances of getting a competitive premium rise significantly if your car is a family car or small car of a common make and model.
What Colour is it?
You might laugh but the colour of your vehicle can affect the amount that you have to pay for your insurance. This is because some paintjobs are significantly more expensive to fix than others, making you a riskier bet for the insurer. For example, black vehicles regularly cost more to insure than their white counterparts. Research also suggests that white cars are safer on the road.
Do You Plan on Modifying it?
The urge to modify your car and take its performance to new heights is an understandable one. However, you shouldn’t undertake any modifications without first checking how they will affect your insurance premiums. Modifying your car, especially in a way that significantly alters its performance, is much more likely to increase your insurance premium. It will also make your vehicle a much more attractive prospect for potential thieves.
Who Will be the Primary Driver?
The age of the car’s primary driver is another significant factor in determining the terms that insurers will offer you. Younger drivers are more expensive to insure, simply because they are so much more likely to get into car accidents. You will find that this is the case even with the best car insurance offers.
Do You Need Roadside Assistance?
Some insurance packages will also entitle you to free roadside assistance. If this is a deal breaker for you, save yourself some time by eliminating any insurance providers who do not offer this service. If you are purchasing car insurance on behalf of a young adult, or if your children will also be driving the vehicle, opting for roadside assistance can put your mind at ease when they are driving.
How Much do You Drive?
The amount that you plan to drive the vehicle, as well as the expected pattern of usage, will both play a significant part in determining the offer you receive from the insurance company. A vehicle which isn’t going to be out on the road much is obviously much less likely to be involved in an accident. If the vehicle is on the road every day, it is unlikely you will be able to receive any discounts.