Make Your Dream Car Yours!

Use of automobile sector was started after the First World War. At first, there were so many car accidents due to high-speed and so on. But lack of an insurance failed people from standing up again, because of the high costs they had to pay. Therefore a compulsory car insurance was introduced, and this was first started in the United Kingdom in 1930. Since then Cars were not allowed to drive in roads without a car insurance.

So now Auto insurance is more likely that your insurer will have to pay for your claim regarding any damage. But have you ever wondered why people pay different amounts for their insurance? It is because the amount you pay is proportional to the amount that your insurer is going to cover on behalf of you.

So somebody with an expensive car will pay more than a person having a less expensive car. Same way the one who is having a driving experience for 15 years will pay a less amount than a person who just removed their L-board. Because the chances of meeting a car accident are rare with an experienced driver than a less experienced one.

If you have insurance or if you are seeking an insurance you will come across their car insurance calculator. Women of age 25-29 will pay more than the men at that age or the men at 40-49. It also depends on the car damaged records that they have come across up to now. Car insurance premium is normally analyzed from the data taken from the past years considering age, gender, and location.

Car insurance estimation is done considering above factors

Age is a big factor when it comes to the motor insurance. Older driver will pay a less amount than a newer driver. It is depending on the experience. And also those who live in high traffic areas will have to pay more than the people who live in a less crime area. Married people will own a less premium than the single ones.

Auto insurance will not focus only about the vehicle

It will also look after about the insured party, insured vehicle, third parties like the property damages, the cost to rent for the vehicle to cover the damage, and so on. All these are under policies, and they will specify under which circumstances they will cover it for you.

Driving safely will earn you no claims or less claims

These will add a discount for your future policies. By this method, young drivers or the new drivers can lower their premium. Also by adding an experienced driver will reduce your premium if the insurer believes that the named driver will involve in accidents.

Furthermore, you can create an opportunity to improve a personal relationship with your agent, and you have the freedom to speak with the same person when you come across any problem regarding your insurance policy.

6 Types Of Auto Insurance Coverage That First-Time Car Owners Need To Know

But, it still doesn’t take away the importance of covering your car with a good auto insurance plan, since you don’t know what will happen to your car later.

For instance, in the time of a big accident, you need to pay all of the fixing up costs by yourself if you don’t cover your car with a good car insurance plan. Thus, you don’t need to pay a dime just to get your car fixed when accidents happen. It is also the same with other unexpected things, such as theft, disaster, and faulty vehicle.

Here are 6 types of auto insurance coverage that first-time car owners need to know:

1. Accidents. Accidents happen at unexpected times. It can be caused by your own recklessness, or it can be caused by the recklessness of other drivers. Also, accidents can happen because of disasters, such as floods or fire. The point is that if your car is damaged because of any accidents, the auto insurance company will cover the cost of repair for your car.

2. Faulty car. Maybe, you are driving for a few miles down the road, and then in the middle of your travel, your car is faulty. The engine is in trouble and the car cannot move, or your tire is flat. This can become quite a problem for you. But fortunately, the insurance company will cover the cost of repairing your car in this emergency situation. Some companies might also offer roadside assistance for their clients.

3. Car make and model. The make and model of your car will also affect the type of car insurance that you get. If you have a brand new car, or if you purchase a luxury car, you will have a better coverage for damage. But, you need to pay more for the premium, since it might cost more money to repair the damage of your car. This is different if you buy a second-hand car with long mileage.

4. Personal fault. Sometimes, you might be driving your car, and because of your carelessness, you might cause an accident with other cars. Other cars may sustain some damages because of the accident, and other drivers may also need to be sent to the hospital. The car insurance plan usually provides the coverage cost for the car damage or medical problems caused by your personal fault.

5. Non-insured driver. The auto insurance company also offers the coverage for non-insured driver at the time when the driver causes an accident that creates damages for other cars. In this way, you don’t need to pay all the financial burdens by yourself, since the car insurance company will cover the cost for you.

6. Driver’s experience. If you are not too experienced with cars, then you might fall into the high-risk category for the car insurance company, since you will most likely to have accidents on the road. Thus, you usually need to pay more premium costs, but in exchange for that, you get better coverage for any damage. If you are already an experienced driver, you will fall into the low-risk category, and you will pay lower insurance costs since you may not file insurance claims often.

Short Term Temporary Car Insurance

When thinking insurance what comes to mind is the annual full policies that most customers are exposed to. However, short term or temporary insurance covers are available to offer you the most needed coverage for a few days even just a day depending on your needs. The temporary insurance is not just available for motor vehicles, but there are insurance providers who offer the short term policies for health and other valuables that require protection for a day or a few more.

If you are a driver who is not planning to use a car for long periods, temporary car insurance schemes can be great options to full policies. The best thing about the one day insurance policies is that there is no requirement for you to be the owner of the car and it doesn’t matter whether it is insured in another person’s name. The temporary cover backs you up in situations such as when you want to borrow a friend’s car, when selling or transporting a car that is for sale or when test driving a private vehicle.

The temporary insurance covers any car make or model including classic cars, modified racers and motorhomes. You can get comprehensive cover for your car for a day or a few days, third party theft and fire coverage, and even covers for audio equipment and windscreens. The insurance policies give you the flexibility to insure your car for anywhere between a day and three months, making them suitable for a time when you want to attend events, go for holidays or take day trips with a car of your choice even if you do not own it.

When to choose the temporary insurance

Annual policies are without doubt very popular policies, but one day car insurance will come in handy when:

· Borrowing a car from a friend for a short trip

· When moving house using a friend’s car

· When visiting family or friends and private car transport is most convenient

· When using a car to collect large items like furniture

· When going out for a test drive

The benefits

· The temporary car insurance cover comes with a number of benefits and they include:

· Convenient short term cover that lasts from a day to 28 days or three months, depending on your insurance provider options. You can choose daily, weekly or monthly policies to match your needs

· No long term contracts that tie you down even when you do not really find the coverage beneficial

· Comprehensive covers that gives you peace of mind depending on your needs when using the car; you can practically have any area of concern covered by your insurance policy so you can relax and enjoy using the car

· Quick cover arrangements so you can be on the go without any unnecessary delays. Online arrangements are possible so you can print and be on the go saving you lots of time

· Possibility to tailor the policy and have the right cover at a price you find suitable and affordable