Sunday, November 7, 2010

Comparing car insurance online for new drivers


New drivers often find getting car insurance means a lot of shopping around. While car insurance can often be an expensive purchase for motoring, there are many opportunities to save money, especially with the help of an Internet comparison site.

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A driving licence can greatly improve your job and social prospects. But the costs of driving are not cheap, and car insurance can be one of the most expensive purchases you can make. As a new driver, it is important to be aware that car insurance policies and prices can vary significantly. There is also a range of factors that can affect how much you will pay for your car insurance, such as the type of car you want to insure and how you will use it. Getting cheap car insurance need not be a hassle though, thanks to a range of comparison web sites that can help you compare car insurance and find a good deal in an easy to use and convenient way.

New drivers regularly find that cover for their car is not cheap. Sometimes the price of the cover can be more than the cost of the car itself. But by taking a few straightforward steps you can find a good deal, even if you have only just acquired your full driving licence. There are hundreds of insurance companies in the UK, and being able to search through them all quickly and easily will help. Another factor to consider is getting the right level of protection with the insurance policy. Cheap doesn’t always mean best. This is another way in which an Internet comparison site can help.

Insurance you can trust

You should also be able to trust the insurance company that you buy the policy from and have peace of mind that you are adequately covered. Rather than call up each insurer individually to get a quote, a comparison site can do all the searching for you in a fraction of the time. A comparison site works by searching through the hundreds of insurers and giving you a list of the most relevant car insurance policies. To use a comparison site on the web you usually have to provide some personal details such as your age and details of the vehicle you want to insure.

Once you have registered with the site you can search as often as you like. Registering with a comparison site for car insurance is free – the only thing you will pay for is your car insurance policy. Once you have keyed in your details, the comparison site will list a range of policies for you to consider. The price will be an important factor in making a decision, but it is advisable to take the time to assess the policy options available. Getting the choices right can really help when it comes to getting peace of mind from your car insurance.

Different levels of protection

There are different types of car insurance cover available. The main types of cover are third party, third party fire and theft, and fully comprehensive. They all offer varying levels of protection. Consider the features available on each policy such as whether a free courtesy car is included and whether they will be of value to you when making a claim. Optional extras such as legal cover can be useful but don’t waste your money if you aren’t likely to use them. Saving money on car insurance is usually the main reason people use a comparison site, and as a new driver you will want to keep costs as low as possible.

Each year you don’t make a claim on your cover creates a no claims bonus discount on renewal. So consider that a car with a smaller engine size will be less to insure. Limiting your annual mileage will also help, as will improving the security features of the car. The comparison site won’t make the decision for you, but is a great tool in helping you find the best deal for your needs.