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Car Insurance - Finding The Best Deals
Great deals are available in the car insurance field as the market becomes even more competitive. Give yourself plenty of time to research the market thoroughly before you renewal comes up - never rush into a tempting offer.
You may not agree, but actually we are very fortunate in Britain when it comes to renewing our car insurance policy. Competition in this marketplace has ensured that premiums for the average driver have remained reasonably stable for some time - but how long will this favourable situation last?
Over the last ten years there has been a steep rise in the amount of money paid out in claims - from 1 billion pounds in 1998 to 6 billion pounds last year. An unsustainable situation has arisen, as 9 per cent actually pays for your car insurance. The balance is consumed by more trivial matters, like fraudulent claims, uninsured drivers and insurance premium tax - these are called the odds and ends.
Young drivers under 21 are ten times more likely than mature drivers to have an accident. But they account for the majority of legitimate claims.
It seems unfair that experienced drivers, who have built up a good no claims bonus, should pay about 100 pounds each year to cover these odds and ends. I can hear you saying that here must be a way of rewarding me for all those years of faultless driving - well here are a few ideas. A pay as you go plan is a very simple but effective idea. You have a black box installed in your car, which costs you 50 pounds. A global positioning satellite (GPS) records your driving habits and you are charged accordingly.
If you are aged between 24 and 65, motorway driving in off-peak hours will cost you around 1 pence per mile. This figure increases to about 4 pence a mile, for driving off-peak in a town. So if your insurance record indicates that you are a low risk driver and you do not use the roads late at night or in the rush hour, then you could make substantial savings. However, a second driver cannot be included on this kind of policy.
Young drivers can also benefit from this type of insurance. However, if they choose to drive at times of high risk, such as between 11pm and 6am, then they would pay a high rate of one pound a mile, as these are the high-risk hours for youngsters to be involved in accidents.
Car insurance products come in all shapes and sizes, so take your time in deciding which policy is right for you. Do not wait until your renewal documents drop on the mat, as you may be rushed into accepting the same old policy. If you look around there are sure to be savings by switching to another insurer. You can carry forward your no-claims bonus to a new policy. By searching the market on-line through a broker, you will find the very best deal to suit your personal situation.
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