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The annual rate of interest that will be earned if interest is credited to an account monthly, quarterly or bi-annually and allowed to remain on the account for that year. ...
5 Steps To Cheap Car Insurance Premiums
By By Simon Markham
Although insurance is compulsory, it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive insurance rates really can save you hundreds. Step 1 - Cut the Insurer's Risk
The easiest way to cut your insurance premiums is to reduce the insurer's risk and accept a higher voluntary excess. An insurer's standard excess may be £100 but if you meet the first £250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft, then a bill for repairing bodywork damage after a park crunch. Step 2 - Security
Fitting security devices can also result in cheaper insurance premiums. All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for crime, it makes sense to fit extra security. It saves you money when your insurance renewal is due and gives you extra peace of mind. Step 3 - Annual Mileage
If your annual mileage is 5,000 miles or less, ask insurer's
if they offer discounts for agreed mileage restrictions.Step 4 - Named Drivers
Adding a named driver to your policy can increase or reduce your premiums depending upon the named drivers age, sex and driving record. Adding a young driver will certainly increase your premiums, particularly with a limited or poor driving record. However, adding a driver over 30 years old with a long and clean driving record can cut premiums, particularly if the named driver is female! Step 5 - Shop Around
The biggest insurance savings come from shopping around. This has been made much easier with the explosion of the internet. There can be massive differences between the lowest and highest insurance quotes for exactly the same and driver(s). Start off using good comparative online insurance quote sites like Moneysupermarket and Screentrade, take their best quotes and go direct to the cheapest insurance companies for more specific quotations. Copyright © UK Insurance Index. All rights reserved. Please feel free to publish this article online provided that the article and copyright statement remain unchanged with live links.
I Only Drive a Few Months Each Year. Can I Get Auto Insurance Just for Those Months?
There are a couple of factors at work when it comes to this auto insurance question.
Does My Classic Vehicle Need Specialty Insurance?
Special insurance might be one of the few ways your classic car doesn't need to be babied. With Allstate, you can include it on your regular auto policy.
My Spouse Has a Bad Driving Record. Will That Affect My Insurability?
In most cases, a bad driving record will not prevent you from obtaining auto insurance. But if your spouse's record shows a significant amount of moving violations, citations, and/or accidents and insurance claims, that may translate into higher premiums.
Is My Car Insured if my Babysitter (Who's Not on My Policy) is Driving?
Auto insurance is designed to follow the car, which means that the coverage you purchased for your vehicle will cover the car regardless of who's driving it.
Why Are Hybrid Cars Cheaper to Insure?
Hybrid cars aren't just cheaper to drive. Research shows that hybrid car owners tend to fall into the lower-risk category, which gives insurance companies the chance to offer them a lower insurance premium.
I Have a Babysitter Who Drives My Car with the Kids. Should I Put My Babysitter on My Auto Insurance Policy?
Auto insurance is designed to follow the car, which means that the coverage you purchased for your vehicle will cover the car regardless of who's driving it.
I Work From Home—Is My Business Equipment Covered?
Whether you telecommute for your job or own a business you run out of your home, chances are you've got some equipment—like a computer, or a camera if you're a photographer.
How do I talk to my teenager about driving safely?
When's the best time to talk about safe driving? Right now.
Is My Car Insured if a Friend or Family Member (Not on my Policy) is Driving?
Auto insurance is designed to follow the car, which means that the coverage you purchased for your vehicle will cover the car regardless of who's driving it.
Am I Covered if a Tree Falls on My Car While it's Parked?
Comprehensive Coverage, is designed for just such a situation. Comprehensive Coverage applies when a car's been damaged by either a natural or civil disturbance.
Do I Need Insurance for a Used Car?
Laws in most states require that you carry coverage for a used car. However, you may be able to save on certain options.
Are my Car Electronics and Other Add-Ons Covered by Auto Insurance?
After-market modifications, equipment, and accessories aren't automatically protected by a standard auto insurance policy. We offer options that can shield your investments.
Will my Rates be Affected if I Have a Few Accidents on my Driving Record?
Your driving record is a summary of your life on the road. It's also a mathematically accurate predictor of your general risk profile—meaning, what's happened in the past is a good predictor of the future.
What Could Make my Premiums Go Up?
Many factors affect your premiums: some are factors you can control; others are factors you can't control. Let's focus on the factors you can control.
Should I Wait Until My Auto Insurance Policy Expires to Switch Policies? What if I'd Like to Switch Companies?
Whether you've changed employers and now have access to less expensive auto insurance coverage, or you're simply unhappy with your current auto insurance provider, switching policies—or carriers—is simpler than you might think.
How Does my Deductible Affect my Premium?
Your premium is the amount you pay Allstate either twice a year, or in installments throughout the year.
What's the Difference Between Comprehensive and Collision Coverage?
Here's an easy way to understand the basic differences between Comprehensive and Collision coverage
Are There Things I Can Do to Lower my Premiums?
Many factors affect your premiums: some are factors you can control, others are factors you can't control. Let's focus on the factors you can control.
When Will my Tickets Disappear from my Driving Record?
Your driving record keeps close track of your behavior on the road. However, state laws vary widely when it comes to the length of time a moving violation remains active on your record.
What Happens During the Claims Process?
Whether you've been in a fender-bender or a major accident, filing an auto insurance claim with Allstate is easy.
Clarifying the Confusion: A Few Common Auto Insurance Misconceptions
Know what you have before you need it: a quick review of your auto insurance policy will remind you what's covered, and what's not.
Why is my premium different?
My Neighbor and I Drive the Same Car, but my Premium is Different. Why?
What Exactly Affects my Insurance Scores? And why does my Credit History Matter to Insurance Companies?
Your insurance score is a snapshot of how safe or risky you are to insure, and most insurance companies use it to help figure out your premium.
What Do I Do if I've Just Gotten Into an Accident?
Protect yourself first and foremost. Guard your safety and well-being in the moments after an accident. Listen to your body: if it hurts, don't move it.
Does My Policy Cover the Cost of a Rental Car if My Car is in the Shop?
Many people assume that rental car coverage is part of any auto insurance policy. But the truth is it's rarely automatically included.
What Kinds of Discounts Does Allstate Offer?
With discounts for safe driving, certain safety features, good students, and even for having more than one policy with Allstate, you might be surprised by how much you can save with Allstate.
Will My Policy Still Cover Me if I Get into an Accident Out of State or Out of the Country?
At Allstate, we've got you covered across the US and Canada—even in parts of Mexico.
How is my Premium Calculated?
Many factors combine to create your premium. We can help demystify things, and explain whats behind the most complex number in your policy.
Will Tickets Have an Impact on my Premiums?
Your driving record says a lot about you, its your resume for the road. Its also one of the first things that any insurance company will evaluate when considering you as a customer.
Should I Buy More Insurance than my State Requires?
State laws may not reflect the coverage thats right for you, which is why state required minimum limits could leave you less protected than you want to be.
I Know I Need Auto Insurance, But Where Do I Start?
Researching auto insurance can seem a bit daunting. We can help you shop smartly by clarifying some of the basics and offering valuable insights.
Do I Really Need Auto Insurance?
If you own or lease a car, auto insurance is as necessary as the fuel in your gas tank.
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