Are you looking for somewhere you can do all your insurance policy shopping in one place? Maybe it is that time of year when your car insurance renewal is due along with your home buildings and contents insurance. You may have a whole host of other insurance needs such as pet insurance, travel insurance, health insurance, life insurance, wedding insurance, mortgage protection insurance, or even your own business insurance. If so, read on to find out more.
It can be difficult navigating the web and some of the comparison sites are bewildering. At http://www.compareinsuranceprice.com/ we have taken efforts to look for the best deals available from the major and most reputable insurance companies across a wide range of different types of insurance provision as mentioned above along with others such as mortgage rate comparisons, motorcycle insurance, liability (Public and Indemnity) insurance and van insurance.
We recognise the importance of each area of insurance and we have therefore dedicated a page to each type of insurance and selected appropriate insurers for each category so it is easy for you the online insurance shopper to navigate easily using this unique service and obtain insurance quotes from your favorite insurers. This will save you time surfing the net for each company individually. Also, most other insurance comparison sites will give you a best price but you need to be aware of many other factors when buying any insurance and these are just a few of the tips and advice you will find when you visit our site:
Compare Insurance Price - Advice for Buying Insurance
-At all times protect your no claims bonus - it is generally worth paying slightly extra every month to retain your no claims bonus - a must if you have established over 3 years no claims bonus.
-If your insurance premium is likely to exceed £1000 per year, it is worth obtaining between 8-10 quotes as you are likely to find a better deal.
-For car insurance quotes, find out whether you are guaranteed a courtesy car. Some insurance companies include it free, others don't guarantee it, and some charge extra. Be sure to ask.
-Only take out additional accidental damage cover if you really need it - insurers will always ask if you want it but saying yes could increase your premium by an additional 25% when the standard cover will probably be enough for your requirements.
-For buildings insurance quotes be aware that re-building costs are not the same as the market value of your home. Generally re-build costs are less than half the cost of your property. If you over estimate the re-build price you will be overcharged. Never under estimate the re-build cost or you will be not be adequately insured in the event of a claim. ASK your insurers advice about this.
-Never under estimate your contents and possessions. Take a comprehensive and accurate inventory of each room in your home as even old furniture and carpets are expensive to replace. Most people miscalculate their contents when it comes to buying new items to replace what has been damaged or stolen.
-If you go on holiday more than two times in any year, an annual travel insurance policy will probably be more cost effective than buying several single trip policies.
Those who never , seem to be destined to lose money because surveys tell us that those consumers who don't are almost guaranteed to be paying over the odds for their policy.
With comparison websites thick all over the web it can often very very difficult to select a provider, and with so many promising to save you money online it really is a tricky call to make.
In this article we will be impartial and will attempt to offer you some tips on what to look for from a car insurance comparison website when you compare car insurance online.
1. The more the merrier. Of course when you compare car insurance, one of the most important things you need to look for is how many car insurers and schemes do they search? The more they search, they more likely you are to save money. With more quotes to select from you also have better options when choosing the right policy for you!
2. What is their mark up? Car insurance comparison websites are not charities so there are two ways in which they can make money from you:
(i) They will put a mark up on the price of the policy just like a retail store does when you buy something. These are the ones to avoid as they are most likely also gaining an incentive from the insurer as well for your business.
(ii) They will add nothing to the cost of the policy but simply be satisfied with what the insurer offers them as the incentive to sell their product online for them. These comparison website usually use the term 'cheaper than direct' which means the comparison website will reduce the cost of the policy below that of the insurer themselves but still take a small portion of the policy cost for themselves from the difference between the price they pay the insurer and the price you obtain the policy for. These guys are the Robin Hood's of car insurance and therefore deserve your business much more.
3. Read the small print Always read the small print and terms and conditions because if you don't you could get stung, either before or at the time you try to claim on your policy.
4. Interest rates Many consumers always go for the cheaper quote, but just like with ebay's shipping costs there is always a bigger picture. The interest rate is what the insurer adds on to the cost of your policy should you choose to pay in monthly instalments.
Some insurers charge a modest 12 per cent while others will try to disguise their massive 28 per cent interest rate inside three thousand lines of conditions, and with the typical consumer too trusting to even notice this, they are never any wiser.
While there are many cowboys out there, most car insurance companies tend to play it fair and luckily most of the major car insurance comparison websites need to be competitive to be successful.
So if you want to save every penny in 2009 and beat the credit crunch, then we hope you found the tips and inside information in this article helpful or at least interesting. More importantly, don't forget to , it may end up being the lifeline you need to survive the harsh times ahead.
Both Jacy Brigo & Searchrankpros are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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