Deciding Where and Who To Buy Cheap Car Insurance From

There are hundreds of car insurance companies offering untold numbers of differing policies to UK drivers, so there are a few simple rules to remember and also a few tips which should make it allot easier for you to single out the most important information relevant to you. This will help you to quickly and easily find the best ladies car insurance quote or policy for you. Shopping for insurance online is faster, and more convenient than using the phone. Increasing insurance companies are offering specialist online car insurance cover and the prevalence of online discounts mean better consumer prices!

MOTOWORLDS TOP 40 CAR INSURANCE FACTS cont.

6. Woman Only Insurers such as Sheilas' Wheels and Diamond Car Insurance specialise in insuring woman drivers. They have found that woman drivers make less claims through market research and as a result provide very competitive premiums for lady drivers.

7. Many of the specialist woman only insurance devisions are run by woman so they understand the needs of this group of drivers and design their car insurance policies around todays woman drivers. Many woman only insurer now offer policies to cover a spouse too. For more info on Woman Only Insurance visit www.youngdriverscarinsurance.com/womandrivers.htm

8. Drivers with 3 or more years no claims bonus can now benefit by buying online through specialist insurers like esure.com and privilege.com They only insurer drivers with 3 / 4 years no claims and as a result are able to offer better prices than many other insurers. This is because they have less insurance claims to deal with as they insure more experienced drivers only and this saves them money which they in turn pass on to their customers. You can phone them for a quote or get a quote online in which case you could qualify for a discount of up to 10% on top of their standard price.

9. Car Insurance Groups range from Group one to Group twenty. Twenty being the highest and most expensive group. Cars are not rated on make, rather on engine size, repair cost, interior trimmings, power output and other performance variables.

10. Newer more luxuarious cars will be found in higher groups. The high cost of repairs to a car the more likely the insurance group will go up. Smaller, less expensive cars with lower performance ratings will more likey be found in the lowest groups. We call them city or town cars. Insurance groups are also linked to the amount of desirablility that particular car may have to criminals. A BMW 325is is more likely to be stolen or subjected to a joy ride than a Nissan Micra.

11. There is a national standard which is set up to provide insurance companies with a suggested car insurance groupings. This is not however a legal standard and insurance companies are free to alter a particulars cars grooup rating according to thier own statistics in payouts and expected risk. For this reason you may find that a company such as Performance Direct may well have a more favourable group rating for a modified car than another insurer..

There are more topics I will try to provide you with more information on. I have done my best to ensure that this information is as accurate as possible but please bear in mind that this site is not responsible for any errors found and you are expected to clarify any points you are unsure about with your insurer before you accept what is stated here. The information found here is only a GUIDE.

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