car insurance

The most important car insurance features that you need to check while applying for a policy

It often gets you through an overwhelming experience when you buy a new vehicle or become a licensed driver for the first time. The same goes true when your vehicle is up for renewal. Prior to applying for an auto insurance policy, you must compare a few quotes from your favorite insurance providers.

Like while purchasing cars, car insurance policies are also offered to you with varying features. In order to achieve the best value, you must compare these policies. Features that you need for your car are certainly an important point of consideration while shopping for car insurance.

What features do you actually need to compare while signing up for an insurance product?

Personal auto insurance doesn’t necessarily come with all popular features or cover all of your vehicles. So, you must read through policy clauses very attentively before putting your signature. Some of the full-coverage car insurance policies may be transferred to rental vehicles that you use in place of your regular cars. But there are exceptions to such policies.

Do you know if your car insurance offers features like car rentals? Check out how and when they meet damages before you rely on a particular insurance. They might reimburse you only after you bear the costs upfront. You must know the features that vary with each insurer and state. Even after possessing personal car insurance, you may consider utilizing coverage through your credit card or supplemental coverage benefits provided by your insurer.
Every year, you’re likely to come across several most popular features online based on the search history data that support car insurance comparison tables.

Consider 6 tips to obtain the best quotes for a comprehensive car insurance policy:

Few of the car insurance features have gained much popularity with car owners in the recent times.

Car insurance comparison tables are derived after taking into account a percentage of the total number of user

clicks achieved during a certain period.

1. Market or agreed value

A majority of car owners are inclined towards covering their vehicles for the market or agreed value.

2. Pay every month with any additional cost

Another feature that has gained much popularity with car insurance users is the option for meeting premiums every month without paying any additional cost.

3. Roadside Assistance

The one that comes third in the list of popular policy features is roadside assistance. There’s no need to worry about assistance during the odd hours of the night.

4. Coverage for drivers that aren’t nominated

This feature covers an unnamed driver and keeps his car insurance policy valid even when he is involved in an accident. Such coverage is offered although he isn’t nominated. About 13 percent of those who used the filters had actually opted for this feature.

5. Lowering of age

More than 10 percent of the car owners have checked on the opportunity for lowering premiums by restricting the age limit of another driver.

6. 24×7 help desk

A dedicated customer help line extending for up to 24 hours has always been in demand with users that checked all filtering options while signing up. This feature has been checked by over 6 percent of the insurance users.

The factors mentioned above always been an important point of consideration for car owners that opted for the right car insurance coverage. You must also acquire more information on car insurance before narrowing down your choices.

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Car Insurance: What Should Your Policy Offer You?


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There are some factors that you will want your car insurance policy to cover. But that doesn’t always happen. You don’t always get what you think you might get from a policy. Some of them only give you minimal levels of cover. And that’s why you should always read the small print and be aware of how much cover you’re getting.

Fire and Theft

Are you covered if your car gets damaged by fire and theft that’s the fault of someone else? If you’re not, then you don’t have much cover. Many people assume that their car insurance policy will cover them in the event of their car getting stolen. But that’s not always the case. Fire and theft cover is not something that all policies have. And getting this level of cover will usually cost you a little extra money. But that’s definitely worth paying for in most instances. You should compare prices and find the best deal out there.

Flexibility Over the Repairer

Some policies will demand that you have your car repaired at a certain garage. Insurance companies do this because they have an agreement with certain garages. It’s a mutually beneficial deal because the garage will also point their customers in the direction of the insurer. But this isn’t always a good thing for people with insurance policies. It means that you can’t shop around and look for deals because you have to use the repairer that the insurance company tells you to. Ideally, you should find a policy that provides you with the flexibility to make your own decision. No one wants to be told where they have to get their car repaired.

Cover for Medical Bills

Some insurance policies will cover the cost of your medical bills if you get injured in a crash. These injuries can be very severe, and the cost of the medical bills can be huge. So, you should definitely find out if you get this level of cover from a policy before you sign it. Not all policies will give you this cover, but it’s worth finding one that does if you possibly can. Then, you’ll be able to get the very best treatment and get back to driving as usual in no time. If you search through all the options, you’ll be able to find at least one suitable policy that covers potential medical bills.

Courtesy Car Provision

When your car breaks down, you can be left in a tricky situation. Even if the insurance provider is covering the costs of the repairs, you’ll still need to find a way to get around. So, find a policy that provides you with an adequate courtesy car in the event of your car being out of action. It’s one of those details that might not seem that important. But when you don’t have a car, and you need to get to work on time and take the kids to school, a courtesy car can seem like a real saviour. So, ensure this is part of your next policy.

Two Ways Driving Offences Can Wreck Your Finances, And What To Do About It

Two Ways Driving Offences Can Wreck Your Finances, And What To Do About It

None of us want to be convicted of a driving offence, least of all a DUI. Driving offences come with many auxiliary costs that can really screw us over, long term. And they reflect poorly on us as people if we are to blame. For these reasons, DWIs and DUIs are way more costly that the initial outlay for fines. They keep costing you money for years down the road. Scrubbing them from your record is difficult. Here are some ways driving offences can wreck your finances and what to do about it.

Life Insurance Becomes More Costly


One of the unforeseen consequences of a DUI is the effect it has on your life insurance. Life insurance companies often want more money, given that you’re putting yourself at higher risk. And they can continue to ask for more money for ten years following a DUI conviction.

From the insurance company’s perspective, this isn’t about punishment. This is about charging a price that reflects the risk of a DUI driver. According to the Highway Administration, drivers with DUIs are about 40 percent more likely to die in a crash. And it’s not that DUI drivers just offend once. About 30 percent of them continue to drink and drive, even after getting a DUI. Thus, it makes sense that they would be involved in more accidents. And it makes sense that life insurance companies would want to charge more money. So what can you do about it?


First off, you can hire a one-of-a-kind DWI lawyer to reduce the severity of the allegations. If you’ve been caught drinking and driving, it’s not guaranteed you’ll be found guilty. There are all sorts of legal ways that you can make your case and reduce sanctions. Second, you can have a breathalyser fitted to your car ignition. The car will only run without an alarm sounding, so long as you’ve used the breathalyser to prove you’re under the limit.


Car Insurance Goes Up

All car insurers care about is your risk category. They don’t care that you didn’t know it was a 30 limit when you got caught doing 40. All they care about is what that says about you as a driver from a statistical perspective. Insurers know that drivers who get caught speeding are more likely to have an accident. And so as soon as they find out you’ve been speeding, your insurance goes up. According to CarInsurance website, having a DUI can push your insurance up by between 30 and 300 percent. Ouch! Speeding tickets can put it up by more than a fifth.

So what can you do about this? Well, first off, see if there is a way to fight the charge. Given how much it’s likely to cost you over the long run, a legal route is a good option. The other thing you can do is focus on prevention. Get a car or an app that warns you when you go over the local speed limit. And, if possible, as the insurer if they’d lower your premium if you used a black box driving recorder.


Is Nationwide’s Vanishing Deductible Option Something You Should Consider?

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Car insurance innovations are possibly the greatest example of follow-the-herd mentality in the financial services industries. Whenever a leading car insurance company launches a national campaign to tout a new coverage option or feature, it’s not long before competitors are close behind like drivers drafting behind a leader in a stock car race. One of the more recent features goes by many names accident forgiveness, diminishing deductible, safe driving deductible rewards, etc. but they all essentially offer the same promise. Go for an extended period of time without a claimable accident and the insurer will reduce the deductible on select coverage options carrying one.

Nationwide has tagged its version of this option with the catchy phrase, Vanishing Deductible, and has even built several memorable television commercials around it.

Here’s a quick overview of how it works and a few things you may want to consider before adding it to your policy.

How it works

One of the first things to know about Nationwide’s Vanishing Deductible option is that it isn’t available everywhere. Some states do not allow Nationwide to offer this option to drivers, so be sure you check into what options are available in your state.

If you do have access to the Vanishing Deductible option, Nationwide tries to make it easy to understand and to add. They offer it as a stand-alone option and you are not required

to have a specific coverage package to apply for eligibility. You do have to have a coverage option that calls for a deductible and the two obvious ones are collision and comprehensive. Here again, Nationwide makes it a little easier in that you can choose to add either collision or comprehensive (many car insurance companies force you to have both, even if you want just one.)

If you elect to add Vanishing Deductible to your

Nationwide car insurance plan, you’ll be charged a flat rate (usually around $60-per year for the first car and $10-per year for any additional cars.) Once in place, Nationwide will immediately and automatically reduce a select deductible by $100. For each year you keep the option in place and go without an accident that generates a claim on the option where the deductible is “vanishing”, Nationwide will reduce that deductible another $100. Nationwide caps the total you can have a deductible reduced at $500.

An example

Let’s say you have a Nationwide car insurance plan with comprehensive coverage that comes with a $500 deductible (which is, by the way, the average deductible for a Nationwide comprehensive option.) You add Vanishing Deductible and you go a full year without filing a comprehensive claim. A couple weeks into your second year with Vanishing Deductible, a tree falls on your car requiring $1,800 in repairs. Instead of having to pay $500 out-of-pocket before Nationwide starts reimbursing your expenses, you only have to pay $300 out of-pocket. In this case, the $120 extra you’ve spent to add the option has paid for itself.

If you do have to file a claim while on the Vanishing Deductible option, Nationwide doesn’t make you go all the way back to square one to start earning credits against deductibles. You still get the original $100 reduction in a deductible for having and maintaining the option. In the above example, say a hailstorm wreaks havoc on your car three months after the tree incident, leaving you with $900 in new repair costs. Your out-of-pocket expense on that claim would be $400 (not the full $500 deductible you originally selected for your comprehensive coverage.)

Is this a bargain?

Take a few moments to pencil out whether adding Vanishing Deductible to your Nationwide car insurance plan is a bargain. A good way to go at this is to add up all of what you have to pay to get Vanishing Deductible. First, you will need to have a coverage option in place that comes with a deductible. In most cases this will be a collision or a comprehensive option (or even both) and take some care in determining if you even need any of those options on your car.

A simple rule of thumb for determining if adding collision or comprehensive is a value-added idea is to total the increase in premium you will pay for adding the option over the time you’ll have that car, plus add in the deductible you’ve chosen. If this total exceeds the current market or cash value of the car you’re insuring, it probably isn’t a wise financial move to add that option. In the case of Nationwide, adding either collision or comprehensive options to your policy will add an average of $20-$25 in monthly premium to your bill (for each separate option and depending on the state where you live and other options you have in place.)

One other thing to factor in with the Vanishing Deductible option is that it is capped at $500. If you have a $1,000 deductible, the most the option can offer you is to cut that deductible in half. If you happen to have a $500 deductible, you’ll spend more than you will ultimately save in just over eight years.

Generally speaking, Nationwide’s Vanishing Deductible option is a little more flexible and forgiving than many of its competitors, but it’s still an option that you’ll want to carefully consider before adding it to your policy.

(Note: this article is intended solely for informational purposes and is in no way a promotion or a solicitation. The author has no affiliation with Nationwide or with any other car insurance provider.)

Featured images:
  • License: Royalty Free or iStock source: Image courtesy of Nationwide Insurance.

Jeffrey Davidson is a writer and marketing consultant with more than 25 years of experience working with insurance and financial services companies. He currently writes about auto insurance products and services for Reply!. You can find his article on other options to consider for your car insurance plan.

Why Tech Friendly Seniors will have a Better Retirement

The world is becoming more and more technology-oriented. The gadgets we use are only going to get more complex and impressive in their abilities, and greater in their scope. As technology becomes the defining characteristic of our times, it makes sense to shed one’s inhibitions and join the bandwagon.

BRGLogoBigI’ve noticed that older people often shy away from technology instinctively. They are overwhelmed by all the gazillion features that smartphones, ipads, and laptops contain. The Internet simply bamboozles them.

They need not worry though. Even younger people often find no use for the endless features on smartphones. And the Internet, though vast and labyrinthine, is primarily used only for its basic functions, which anybody can learn.

Since today’s senior citizens grew up in a different time, it is perhaps impossible for them to get their heads around how a small piece of technology can become central to anybody’s life. My parents still don’t get how I can spend hours and hourson end just sitting in front of my laptop.

I tell them they can, too.

You have fulfilled all your responsibilities; carried out all your duties; sorted out your taxes, your medication,your auto, health, life, pet, and AARP insurance, and your income and investments are safe and adequate. What’s there to do now?

You can’t be travelling or talking to people all the time, and retirees have a lot of time on their hands. Turn to the Internet for some harmless fun.

Here’s how:

Get your children or grandchildren to teach you online video games. They will keep you sharp.

Social networking will tell you what your friends and family are up to even if none of them bother ringing you anymore.

You can download free photo-editing software and tweak your old photographs with them. You will have so much fun with this, you won’t even realize it’s 2am and that you have to be up at 5!

You can watch an endless number of movies via online film subscriptions, and not just Hollywood movies either.

You can relive your old memories on YouTube by listening to the songs you grew up with.

If you are fond of reading, the Internet is the best thing that could have happened to you.

If there was a discipline you always wanted to pursue but couldn’t, you can do it now. Who cares about attending classes and earning a degree? After all, it’s the knowledge that matters. Love anthropology? Devour the latest research on the Net.

You can keep track of your medical reports, your bank statements, and all your investments in one place.

You can become a better cook than you ever were.

You can create your own music with music editing software.

You can pursue new hobbies, while following online tutorials.

Sign up on forums for people of similar age groups and interests as yours.

If you are alone, try online dating.

Finally, you can start writing for fellow retirees: Create your own blog, or sign up with blogger communities, to share your experience and wisdom with others. You never know who will end up taking heart from your words.

Yes, there is a danger of getting carried away on the Internet, but the more you use it the better you will be able to moderate your use of it.

And while a retired person is busy doing all of the above, they are enjoying themselves to the hilt. And not ruminating about the past, or worrying about a tomorrow that’s looking increasingly uncertain for all of us, regardless of our age. They are focusing on making the most of the time they have now,with the enthusiasm and glee of a child who has just discovered a new world. Sleep on time, get plenty of exercise, watch your diet, and laugh out loud with YouTube videos!

loriLori Wagoner is a marketing and business consultant working with All Car Insurance Companies, which is a realtime online platform for reviews of auto insurance companies, comparison of quotes, and discussion/resources related to the car insurance sector in the U.S. Catch Lori on Twitter @LoriDWagoner.

Everything You Need to Know About Temporary Car Insurance

Sometimes, yearly car insurance just isn’t right for you. Although annual cover is usually the most practical, there can be times when you only want to be insured for a short period. Temporary car insurance makes this possible and it means that you can get insurance that allows you to drive somebody else’s car or allows them to drive yours. It runs from 1 day to 28 days and has a number of practical uses. Here’s everything you need to know about temporary car insurance.

When Might You Need Temporary Car Insurance?

car-financeMost people who get temporary car insurance only use it for a couple of days. One common use for temporary car insurance is long journeys and this is because people want to borrow their partner’s or friend’s car because it is either larger or more comfortable.

On that theme, space is the main reason that people get temporary insurance for vans. Generally, this is because they are moving home and they need something that is larger than their family car. Obviously, this is a huge bonus for both you and your friend who owns the van and probably doesn’t want to act as your personal chauffeur for a few days.

There are hundreds of reasons why you would get temporary car insurance and these range from insurance to drive your new car home or insurance for other people to test drive a car that you’re selling. In addition, short term car insurance is great for students.

What Will it Cover You For?

Temporary car insurance guarantees you comprehensive cover for the car that you’re borrowing and protects your no claims discount when you lend your car to somebody else.

Because of the nature of the cover, you can get quotes in seconds and even be insured within the hour; it is far less complex than getting annual cover and it is much quicker.

Although on a day to day basis the short term cover is more expensive than annual cover, it is still incredibly cheap over a limited time period, and if you want cover for something that lasts anywhere between 1 and 28 days, then it is a good option.

Finding the Right Policy

Short term insurance is widely available and, much like with annual cover, there are large variations in prices depending on the vehicle you’re insuring, your driving record and your level of experience. As you’d expect, some comparison websites also offer the cover, but using tools like an instant quote calculator means that going around individual retailers is relatively quick and you can cover some companies who aren’t on price comparison websites.

To conclude, there are a number of reasons why temporary car insurance is incredibly useful. So, if you want to borrow somebody else’s car or if you want to let somebody else drive yours for a while, then there’s an option for you. Surprisingly, short term cover is relatively cheap too, while still covering you for a multitude of sins.

What are the most important types of insurance?

If it might be unrealistic bordering on naïve to assume that anyone really likes paying for insurance.

However, it is something that might one day be all that stands between you and financial disaster so it might be important to take the matter seriously.

There are, of course, dozens if not hundreds of different types of insurance but some are perhaps rather more important to the average person’s daily life than others.

Possibly the most familiar and also potentially reassuring forms of cover are:

  • Household cover – This is what protects us financially against the consequences of things such as fire, storm damage, burglary and so on. Liverpool Victoria (also known as LV) is a provider of this type of policy;
  • Motor vehicle insurance – This is not only important it is one of those rare forms of cover that is actually a legal requirement if you plan to use a motor vehicle on the public roads. Axa Insurance is one specialist in this area;
  • Another car insurance provider is Esure who also offer additional insurance cover such as breakdown assistance and legal protection;
  • Life Insurance / Assurance – Policies here provide financial help to our families in the event of our death. Aviva is one well known provider of life cover;
  • Mortgage protection – The form of cover is typically aimed at meeting your mortgage repayments for a specified period of time if you cannot work due to accident, sickness or unemployment. Drewberry Mortgage Insurance is a specialist broker in this area.

Life_insuranceThis list is by no means exhaustive but you may find that some insurance providers offer broad spectrum cover across many of these domains whilst others specialise or major in one or two of them.

Almost inevitably in tough economic times, some people start to question whether they really need any form of insurance other than perhaps in situations, such as motor cover, where they have no real choice.

It is often said that insurance is absolutely useless to you – but unfortunately only up until the moment that you need to make a claim against your policy.  At that point and immediately afterwards your insurance policy might easily become one of the most important things in your life.

So, being casual and dismissive about insurance might not be advisable.  Any responsible adult should perhaps take stock of their risks and financial exposures, plus those of their family and loved ones, then decide how best to protect them with an appropriate policy.

Finding Affordable Car Insurance for High Risk Drivers

Car Insurance.Insurance companies are more cautious than ever, which can lead to even experienced drivers being labelled “high risk” due to past mistakes or mediocre credit. If you have been deemed a risky investment, it can be difficult to find affordable insurance; or even any insurance at all. Rather than settling for the first insurance company that makes you an offer, it’s important to compare your options carefully. It also helps to understand how insurance companies assess risk to take charge of your situation and find the most affordable option.

Reasons for Being Termed “High Risk”

If you have recently been determined to be at fault in a traffic accident, it may come as no surprise that you are now considered to be a high risk driver. However, there are numerous circumstances that lead to this outcome. More than one speeding ticket, a suspended license, or failing to report an accident are all possibilities. The car you drive also has an impact on your risk as a driver, which is why it’s important to look at safety ratings and reliability along with engine power to avoid being labelled high risk. Financial history may also have some impact on your level of risk. If you have any history of missed insurance payments in the past, this could cause your premiums to skyrocket in the future.

Finding an Affordable Quote

The problem with being branded a high risk or “non-standard driver” is that it can make it difficult to find affordable rates. There is a separate industry that has arisen around catering to high risk drivers, offering already-expensive premiums at even higher prices. Although at first glance it may seem like you have very few options if your driving record is less-than-perfect, it’s still worth shopping around. Because every insurance company has a different formula for calculating risk, you may find one that is willing to overlook your high-speed sports car when presented with your clean driving record. Another way to find a lower quote is to drive a reliable car with excellent safety standards. You can read car reviews and comparisons on Motoring and other automotive websites to find a more insurance-friendly model.

Further Ways to Lower Insurance Rates

Many of the tips that apply to standard drivers apply to those at high risk as well. As you start reading reviews and shopping around to find a car that will help lower your insurance rates, pay attention to more than just the safety rating. You may read Holden Captiva review sites and see that it was awarded 5 stars in terms of safety, but it’s also important to consider the cost of repairs and built-in security features. Insurance is all about statistics, so choosing a car that is statistically less attractive to thieves and safer on the road will lower your overall risk.

Your annual mileage also factors into your insurance. If you are a new or high risk driver, lowering your annual mileage could help you incur lower rates. Paying a year’s worth of insurance at once will also help cut costs, rather than spreading it out over 12 months.

Finally, if you have a spotty driving record you might want to ask your insurer about taking additional driving courses to lower your rates.

What a Car Really Costs

Owning a car is kind of like owning a portable house: there’s more involved than just the cost of the initial purchase and monthly payment. Cars require care and have some very specific and, often, expensive needs. Even during an ordinary year—one in which you take no major road trips or do any significant amounts of driving (other than to and from work and errands around town), the cost of owning a car can be surprising.


You have to have car insurance. It’s the law. There is no law, however, that says that car insurance has to be expensive. Insurance can really add up with unnecessary or unwanted coverage charges, so looking into a place like acceptance Car Insurancecar insurance for some good options for your particular budget. Let’s assume that you wind up with an insurance policy that costs you $125 a month. That works out to $1500 for the year assuming that you remain accident free and that your rate doesn’t go up.

Basic Maintenance Costs

Every car needs to have periodic maintenance done on it. You have to take it in for “checkups” every ten thousand miles or so. You need to get the oil changed regularly. You’re going to need tune ups. You’ll need to have your tires rotated (or even put on new tires). The cost of these things is going to depend on the type of car you have, how old it is, how many miles are already on it, etc.

Oil Changes can typically be done for $35 or so, or even as low as $15 if you find the right place. If you do two of those during the year that’s anywhere from $30 to upwards of $70.  A basic inspection with tire rotation for a newer sedan with 40K miles on it costs around $50.  That’s already $120 for the year and that’s without any major work or repairs being done. And the more miles there are on your car, the higher those inspections and “checkups” are going to be.


Everybody loves to complain about gas prices and talk about getting a bicycle to avoid having to pay the exorbitant gas prices that they see at the pump each day. Obviously doing that isn’t always practical (you live in the US, not the Netherlands). Let’s say you have a 15 gallon tank. At the time of this writing gas is around $3 a gallon. That means it costs $45 to fill up your tank. If you have to fill up your tank twice a month, that’s $90 a month or $1080 for the year.

So where are we? If absolutely nothing goes wrong, no repairs are needed and you don’t do any driving outside of what you do to and from a very close workplace and some nearby errands, you are still going to be paying at least $2700 a year—and that’s if only if you live somewhere with cheap gas!

What Can You Do?

There are plenty of ways to save money on car ownership. Make sure you get a car that has good gas mileage (hybrids are awesome if you can afford them). Shop around to make sure that you get the best rate on your insurance—which is helped by keeping your driving record clean of tickets and accidents. Actually take your car in for routine maintenance checks because skipping them will just result in more costly problems later on. Learning how to do basic things like oil changes yourself can also save you a healthy amount of money.

If you do these things there’s no reason that owning a car should hurt your bank account.

Difference between multi car insurance in US and UK

Difference between multi car insurance in US and UK

Drivers on both sides of the Atlantic can benefit from multi car insurance to cover two or more vehicles listed at the same address. Although there are some differences between what multi car insurance covers in the US and the UK, as well as between different providers in each respective country, there are more similarities.

In the US, drivers can take out a basic liability policy to provide minimal cover for their vehicles, whereas UK drivers are usually encouraged to take out a higher level of cover to offer financial security in the event that their cars are stolen, lost or damaged in accidents. Multi car insurance offers a cost-effective alternative for drivers who are concerned about lowering the cost of their insurance premiums without having to settle for lower cover, as these policies can cover two to five cars listed at the same address – in the US, you may be able to take out insurance for more than five cars, depending on the insurer, though this will usually be restricted to vehicles for commercial use.

The actual savings that can be enjoyed from multi car insurance represent one of the greatest differences between insurers in each country, with multi car insurance in the UK typically offering higher percentage discounts – often up to 33 per cent saving when insuring more than one vehicle on the same policy, compared to just 25 per cent saving in the US. The more cars that are insured on the same multi car insurance policy, the greater the savings are likely to be. It should also be noted that car insurance and other auto expenses are generally cheaper in the US compared to the UK.

There are various factors that will influence the cost of your car insurance too, including the make, model and age of the cars being insured and the age of their drivers. In the US, young and teen drivers are able to take advantage of a parent’s car insurance coverage until they reach 25, whereas all adults in the UK are required to have their own car insurance.

The US is a country built for cars, and this combined with its higher population means there is greater demand for multi car insurance for USA cars, as well as more providers offering these policies. However, this greater availability also unfortunately means a larger number of disreputable firms offering multi car insurance at unreasonable rates or with other inherent problems, making it even more important for drivers in the US to do their research before taking out a policy. UK drivers need to check the credentials of insurance firms too, which can be best accomplished by asking the opinions of people in your family and social circle, or by reading testimonials from real customers online.

Multi car insurance can potentially deliver great savings compared to standard auto insurance, but only when you compare different policies available to confirm that the one you’ve chosen truly offers the best value for your money.

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