Car Insurance Centre - Motor Insurance
Car Insurance Centre
Welcome to the Car Insurance Centre
Every year thousands of motorists pay more for their car insurance than they need. The insurance market is changing incredibly fast and this means that this year's competitive quote may not be anywhere near last year's premium.
The latest British Insurance Premium Index from the AA showed that drivers can easily save an average of £ 150 by shopping around for their car insurance. So how do you find the right insurer ?
Bell Direct,Diamond, Quoteline Direct, Royal and Sun Alliance, Saga Services, and Wilsons Insurance brokers have combined to allow you to get multiple competitive quotes in one place.
The Carsource family of products offers you many ways of saving money. For travel and home insurance visit The Insurance Centre on the Car Insurance Centre web page.
Car Insurance Centre - What Factors Affect Insurance
There is a strong incentive for insurers to discover better ways of analysing the risk of a particular proposal. If they can discover a pocket in the market which is being over-priced by the competition, they can profit by attracting business at a lower premium.
It's in your interest to understand how insurers evaluate risk and what information you can give which will help convince them that you are as low a risk as possible.
So what are the major factors?
The car you buy - Use the Car Insurance Centre database to look at how modifying some of your requirements for your car purchase can change your insurance grouping.
- Your No Claims Bonus. Interesting facts that can save you money
- Where you live - Post-Code data mining is now becoming a science. If you are moving house, this is the fastest way of comparing two areas for crime rates.
- Your Occupation - Many occupations carry discounts or premiums, but if yours carries a premium, what can you do about it
- How secure is your car? - One claim for car theft need not mean the end of your no claims bonus, but here are the main ways of avoiding being a victim.
- Your gender - Not much you can do about this except accept the statistics
- Your age - Again just look at the figures
and what other factors are there?
- Have you received a quote from another insurer? - All forms ask for this and hardly anyone completes it . Filling it in can really help. Why?.
- Do you smoke? - Yet another reason to give up smoking.
- Are you paying for bits of your policy you don't need - The classic example is a Green Card
One factor missing from this list is the mobile phone premium. No insurers charge premiums yet for one of these, but in light of recent events watch this space !
Finally, consider what most insurance policies don't cover - Personal Injury. Your passengers may be covered, but are you ? Beyond the minimum cover, probably not !!
The Carsource family of products offers you many ways of saving money. For travel and home insurance visit The Insurance Centre on the Car Insurance Centre web page.
Quotes from Car Insurance Centre
The following statements should enable you to determine whether you are eligible for an online quotation. If the following statements are true in your circumstances visit their web page to proceed with your car quotation.
- Your postcode is in England, Scotland or Wales (Northern or Southern Irish cover is not available)
- Your vehicle has not been modified in any way
- You are the owner and the registered keeper of the vehicle
- You and all the proposed drivers have never been refused insurance or had terms imposed on previous insurance policies
- You have been continually resident in the UK for the last three years
http://www.carsource.co.uk
|
