subject: Be Sure To Compare Car Insurance Quotes Carefully [print this page] When it comes to finding the cheapest car insurance, there are a few things to keep in mind, when you are comparing quotes. You need to make sure that you are comparing the same insurance cover limits, for one thing.
Another thing to consider is the amount of the excess, because higher voluntary excess will cost less, when it comes to the insurance premium payments. Some insurance companies might appear to offer a more affordable policy, but when you check the legal liability limits and the amount of the excess, it might not be that you are comparing the same insurance policies, when you look closely.
For this reason, you need to be sure to compare car insurance quotes carefully and make sure that you are comparing the same insurance cover and the same levels of excess. When you do this, you can get a better idea of the company that will offer the best insurance cover rates, even if you decide to raise the limits of the voluntary excess, when you actually purchase the car insurance policy. Some companies might give you a quote that is the lowest, but when you check the details, you might find they are not giving you as much liability as you need or they might be quoting the highest possible excess.
When you are ready to compare car insurance quotes, it is possible to find the cheapest car insurance rates this way, but you need to be sure that the voluntary excess is affordable enough, in the event you have an accident or a theft of personal items occurs. Most insurance policies that have higher excesses don't have to pay out claims as often because minor accidents are below the excess threshold and many thefts of personal items will fall below this amount. When you purchase cheap car insurance, this is something to keep in mind, but you will enjoy a lower insurance premium this way.
If you are concerned with a higher premium, you might want to request your car insurance quotes with a higher voluntary excess. When it comes to legal liability insurance cover, you need to make sure you have at least the minimum amounts required, but this is an area you should consider closely. Having enough liability insurance makes the difference when you have an accident and you want to make sure you have enough to cover a serious accident or your personal assets could be at risk.
The reason for this is that when you are at fault, and another person has serious injuries, your insurance cover will be what pays the medical expenses. If you do not have enough insurance cover for liability, you could find yourself in a legal liability lawsuit and a court judgement could be rendered against you.
These are a couple of things to consider, when you are ready to compare car insurance quotes. Make sure you have adequate insurance cover to protect you, but you can get a cheaper insurance premium quote by requesting a larger excess. Just make sure that you do not make the excess too high or the legal liability insurance cover too low, or you might not have adequate protection.
by: Tom Jones
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