Low Cost Car Cover Can be Found With a Specialist Broker

By: David Thomson

It is possible to find low cost car cover and you do not have to spend hours searching for it yourself. There are specialist brokers online who can look around on your behalf and find you cover which you are then able to compare without even having to leave your chair.

There are many factors which go towards determining how much you pay out for your car insurance. If you understand what they are then you are well on your way to making great savings when you apply for your car insurance.

One way to cut down the cost of car insurance premiums is to offer to pay a higher excess. If you do so you will have to pay less each year for the insurance, however you will have to find the money and hand it over in a lump sum if you have to make a claim on the insurance. The excess is the amount which you would be willing to pay before the insurance company will take over the bill. Paying a higher excess is a bit of a gamble because you might not claim on the insurance and if this is the case then it will work in your favour. However if you have chosen say £200 as your excess and have to claim then this is the amount you would have to find.

The level of car insurance will also reflect on the cost. Whichever type of insurance you choose there are ways to ensure you get low cost car cover. Third party only is the cheapest way to take out insurance but it does not provide the policy holder with a great deal of cover themselves. It would however benefit any third party involved in the accident and payout for damages to their car and also for medical expenses; this is the least amount of protection you can take out. It could work out if the car is not worth a great deal and you did not pay out a lot for it. Third party fire and theft can also be considered as this also costs less than a fully comprehensive policy. This would provide you with all the cover that third party only provides while also paying out for damages or loss of your car in case of a fire or if the car is stolen.

If you want full protection for your own car then you have to consider taking out fully comprehensive car insurance. This is the dearest type of motor insurance yet if you compare quotes you can still get low cost car cover. You would have to take out fully comprehensive insurance if your car was over a certain amount or if you were buying a brand new car. The cost of comprehensive car insurance would vary depending on the insurance provider and you also have to compare what you are getting for your money. Some insurance providers will throw in such as a courtesy car if yours is in for repair. Others could offer to provide a very basic form of breakdown assistance.

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