7 Top Tips For Getting Cheap Van Insurance
There are different types of van insurance to consider and pricing varies between
private domestic van insurance cover and the types that are offered for business or commercial vans and sole trader vans.
1. When searching for the cheap van insurance to fit your needs, you need to make sure you have the appropriate cover to be legal, however. For example, all vans might need theft and fire cover, along with public liability, but commercial vans might require third party and policies that cover the van and does not specify the person that is driving it, although you can name specific employees to be eligible for possible discounts.
2. Comprehensive policies can include add-ons that might include fixtures and audio equipment or legal expenses and breakdown cover and you can get lower levels of cover to save money on these types of options. If you don't drive many miles, mileage discounts can lower your premium and experience levels can save you money on insurance.
3. Many people consider increasing their voluntary excess levels because they can lower their premium by paying more on the first part of the claim, if the accident is not considered a 'non-fault' incident. Discounts may be available for those that have not had any claims and added security alarms or garage storage might dictate a cheap van insurance premium.
4. When you are shopping around for the most affordable insurance, there are different things that matter to the insurance carriers and some of them vary. The size of your van and the engine size can affect your premiums, but little things, like a bumper sticker offering a phone number for unsafe driving by the commercial van driver offers discounts at some insurance companies.
5. You can reduce your insurance costs by taking advantage of discounts, increasing your level of excess and for those that pay a monthly premium, you should consider an annual premium payment because it saves interest and may offer a discount, as well.
6. Look at the optional cover your insurance might include and decide whether you truly need it or would save more money in the long run, without it. While you are required to pay for a certain amount of van insurance cover to meet legal requirements, there are options you can change in your van insurance cover to get the best pricing.
7. Remember that rates can vary greatly between insurance companies because the price of your premium is based on the cost of the van, the risks you expose the company to and the level of cover you decide you want or need. Carrying dangerous goods will undoubtedly increase the premiums as will the carrying of high value goods, as these pose a greater risk to the insurers.
When you want to save time and money, it helps to get several quotes, when you are in search of cheap van insurance. There are insurance quote comparison sites on the Internet that can give you a variety of options and optional extras if you want them, including packages that include breakdown, legal expenses and personal accident injury at discounted prices.
by: Tom Jones
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