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Motor Premiums
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Motor Premiums
If we were to believe the hype given to us by all the national newspapers recently we would all be panicking and submitting motor quote details to every online broker as well as visiting every high street broker so that we can hopefully try to save this massive price increase. My advice is DON'T WASTE YOUR TIME, well not for the moment anyway.
We have been Motor Insurance Brokers for ov... Read insurance article
Motor Premiums
If we were to believe the hype given to us by all the national newspapers recently we would all be panicking and submitting motor quote details to every online broker as well as visiting every high street broker so that we can hopefully try to save this massive price increase. My advice is DON'T WASTE YOUR TIME, well not for the moment anyway.
We have been Motor Insurance Brokers for ov... Read insurance article
Motor Premiums
If we were to believe the hype given to us by all the national newspapers recently we would all be panicking and submitting motor quote details to every online broker as well as visiting every high street broker so that we can hopefully try to save this massive price increase. My advice is DON'T WASTE YOUR TIME, well not for the moment anyway.
We have been Motor Insurance Brokers for over 30 years and any price rises that are around at present are no more or less than at any other time I can remember. What seems to happen is that maybe one insurance company has a bad claims experience throughout the previous year and to make this up they need to increase their prices substantially. The newspapers latch onto this and being their normal sensationalistic (is that a word) selves they announce at the top of their voices that motor insurance prices are about to increase drastically. We are actually fining to the contrary and in a lot of cases PREMIUMS ARE GOING DOWN. I have just checked 5 motor renewals I have done this morning and 3 have gone down and 2 have gone up (one by £8 and one by £4.30).
If you still have worries here is what I advise you to do about a month before your renewal is due:
Get all your paperwork together regarding your insurance and approach a few of the internet sites. Visit a few of your local brokers and get quotes (its personal and you are speaking to a real person but you are limited in numbers). Our advice is whether it is via the internet or face to face. Always use a broker because an actual insurance company can only quote with themselves whereas a broker like ourselves can check 200+ schemes. Nine times out of ten a broker will get the cheaper quote.
FINAL WORDS
The one thing I don't want to do is to sound complacent and suggest that premiums will never rise drastically. Bear in mind that insurance companies like making money, they are not a charity. Whilst they have reserves of money from other sources it is not a never ending pot of gold. I can see at some stage that injury claims (which are constantly increasing) will reach a stage where insurers will be bound to have to raise premiums quite drastically to meet the ever rising awards that judges are making. Sadly we live in a "No WIn No Fee" generation and guess what, there is without question many claims which would never have occurred had it not been for constant pressure from the injury lawyer firms constantly ramming their services down our neck. Believe me we all pay in the long run for unnecessary injury claims. We all know people who one minute cannot walk and after the settlement it suddenly improves so that they can play squash. It will get so bad that insurers will definitely raise prices greatly but that day is well in the future as far as we are concerned.
Graham Hodgson
www.hodgsoninsurance.co.uk
G.J.T.Hodgson Insurance Services have been Insurance Brokers for over 30 years. Dealing with customers the length and breadth of the UK. Nine times out of 10 saving you money should not be a problem
Graham Hodgson
http://www.hodgsoninsurance.co.uk
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Inexpensive Car Insurance
I learned a lesson about inexpensive car insurance when I was younger: Insurance agents lie. I would love to be able to say this is rare, but my experience tells me it is depressingly common. Apart from lying, they just won't tell you some things you need to know to save money.
Car insurance was just a legal requirement as far as I was concerned. I didn't have valuable cars when I was young, and I had no assets to protect from lawsuits. All I wanted was the minimum legal coverage needed to be on the road. I always made this very clear to my insurance agents, using many rephrasings, like "Just what the law requires, and nothing more," just to be sure they understood.
I assumed that this minimum was what my insurance company was giving me. Only after paying the premiums for many years did I learn that they had lied. I didn't have the most inexpensive car insurance policy, as they claimed. They gave me not the minimum coverage required by law, but their own "company minimum." I was pissed off.
I went to other insurance companies and they tried to do the same thing, passing off their own normal liability policies as the state-mandated minimum requirements. Only when I pushed would they provide the policy that I wanted - as long as I signed more paperwork, acknowledging that I was "under-insured." That was fine. I had no assets to protect at the time (Having few assets means you're less of a target for a lawsuit).
The bottom line is that by commission and omission, you will likely be lied to by insurance agents. I overpaid by hundreds of dollars over those years, because of one such lie. Now you know what to watch for if you just want a basic liability policy. Here are some other things you should know about getting inexpensive car insurance.
Secrets Of Inexpensive Car Insurance
- Get several quotes, of course. The important part here, though, is to be sure that each quote is for the same thing. Write down and compare the specific policy limits, deductible and a other parts of the policy.
- Review your policies annually. Ask for a policy review and get new quotes every year or so. Suppose that speeding ticket you had is past the three year mark (or whatever the company guideline is). They will often "forget" to drop the rate, so you may need to remind them.
- Take the kids off your policy. If your kids are at a college that's more than 100 miles away, you can have them taken off the insurance policy and save a lot of money. You can't let them drive the car when they come home to visit though.
- Raise your deductible. You will always get more inexpensive car insurance with higher deductibles. Plan to pay the first $1,000 of that accident if it happens someday. In the meantime, you may save far more in premiums over those years.
- Drop collision coverage. Once the value of your car is below a certain amount (an amount you can afford to lose), drop the collision coverage. It doesn't make sense to pay out thousands over a few years to insure a car that is worth just a few thousand.
- Ask about special discounts you might be eligible for. Non-smoker discounts, car/home policy discounts, and others are a possibility. Ask what discounts you may be eligible for in the future, too, and remind your agent when the time comes.
-Look at every part of the policy, and don't pay for things you don't need. Ask about anything you don't fully understand. Asking a lot of questions and really understanding the policy is one of the surest ways to get inexpensive car insurance.
Steve Gillman has been hunting down obscure knowledge and useful secrets for years. Learn more, and get a free gift at: http://www.TheSecretInformationSite.com
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