auto insurance quotes

 auto insurance quotes

An insurance quote will give you an estimate rate for the insurance. It is depended up on the amount of information you give at the time of the quote. The more accurate is your information, the more accurate will be your quote. Here are some basics that you need to know about getting a quote.

How much time does it take to get a car insurance quote?

This does not requires much of a time and it is depended upon factors such as the number of drivers and vehicles you have and where you get your quote etc. Getting a quote can be done in two ways, through an insurance agent or via online.

Getting a quote via agent can take up to maximum of 10 to 15 minutes. Then it is typical for the agent to call you back with a quote. The call back time can vary from within the hour up to several hours. This may depend on how many questions you have about the insurance.

Getting a online car insurance quote is a 15 minute process and this may depend on your computer skills and how many vehicles you need insurance on.

How many car insurance quotes?

Three to five insurance quotes will give you a good look at what is available. Compare and study them and choose the insurance that has maximum advantages. Getting multiple quotes at once is a huge time saver regardless if it is from an agent or online.

How to choose the best car insurance quotes?

You should not pick the insurance company by seeing only the price. You should also feel comfortable with all the insurance terminologies. Check whether your quote cover’s all your requirements.

How often should we get a car insurance quotes?

This is based up on the trust you have with the insurance company. If your insurance company is providing good services to you and you trust them wholeheartedly, then there is no need to look for new insurance company. Insurance rates always keep changing hence you should check around every two to three years. Getting quotes will give you the information you need to make sure you are still receiving a competitive rate.

Factors Effecting The Cost Of Car Insurance In Dubai

There are mainly two factors which effects the cost of car insurance. They are:

1. Vehicle Factors

2. Driver Factors

Knowing what affects your rate can help you make a more informed decision when purchasing insurance, and can help you know exactly what to do to lower your expenses. Take a deep look into the factors effecting the cost of car insurance.

Vehicle Factors

By the information given by you to the car insurance company, they can collect information on your vehicle to determine how much you need to pay for insurance.

· Year

The year of your vehicle will affect your insurance rate. Though the repair costs of an older vehicle are similar to the costs of a newer vehicle. Newer vehicles may receive a new car discount.

· Make

The car company manufactures of your car can also affect the cost of your car insurance. Since it is harder to get parts of foreign made vehicles, it costs more to insure.

· Model

The latest the model of your car, the more will be the insurance cost. The base model four door is often the cheapest way to go not only when purchasing the vehicle but also when you go to purchase insurance.

· Safety Features of your Vehicle

Owning a vehicle with a high safety rating means there is a lower chance of needing to pay for your passengers medical bills therefore, your rate will be lower. Safety features such as airbags, automatic seat belts, and traction control are mainly looked into while estimating the cost of your car insurance.

Driver Factors

The driver factor’s include:

· Age of the driver

· Driving record

· Financial stability

Insurance companies can run reports to obtain your personal information using your driver license number, birth date, address, and social security number.

Paying for car insurance is a major part of the cost of owning a car, so anything you can do to lower the rate is beneficial for your budget. Before purchasing a car insurance, gather car insurance Dubai quotes as many as possible and compare them.

ips After Buying Your Car Insurance Policy

Hope you got the best insurance coverage for your car. Even after you purchased the policy, there are still some auto insurance tips to be aware of. Here are some car insurance tips after buying.

Get your car insurance rate quotes annually

Have your auto insurance re-quoted at least annually or when it renews. Especially if you are experiencing rates that are creeping up without a claim. Getting an online car insurance quotes is just a click away. Try to get at least three quotes.

The age of your car

The cost for replacing your car will be less if your car is old. There may be a point when the cost of full coverage exceeds its value. This is when you may consider switching to just liability coverage.

Update the information

Update any information that has changed. Information such as you have moved, or if a driver has been added to or moved out of, your household etc. Make sure your automobile insurance company is aware of these changes.

Check on the deductibles

Check on the impact of a higher deductible. Stay in touch with your insurance company and check on how increasing your deductible may save you money.

Carry proof of insurance with you

While driving, always carry proof of insurance with you. Update and keep all your documents such as your driver’s license, registration, and your proof of insurance. Not having proof of insurance can land you into unnecessary problems. Outdated registration or an expired license can be costly.

Hope the above mentioned auto insurance tips helps you to get the car insurance quote that works best for you and your budget.

Steps For Buying Car Insurance

Car insurance is now mandatory in most of the countries and there are dozens of insurance companies out there which provide wide offers. So it’s really important to choose the right insurance for your car. Here are the three basic steps for buying car insurance.

Step 1:

The first and the basic step is to collect your personal information. The information they will be asking for is your driver license, your license plate numbers, current insurance policy and record of any accidents or traffic offences you may have had etc.

Step 2:

After collecting all the details, it’s time to go online. Search for all the online car insurance provider and get quotes from maximum insurance provider. Go only for reputed car insurance company provider. Getting a quote is a very simple process just select your state or zip code in order to start getting auto insurance quotes for available insurers in your area. If you are involved in too many car accidents, then it will be difficult to get a quote.

Step 3:

The final step is to compare your quotes. Each insurance policy differs on the level of cover and costs involved. Look for the car insurance provider who offers the cheapest car insurance quote for the best cover. Browse the internet to find read user reviews, quality of service and claim process.

If everything comes right, the feedback, reviews, your needs etc then buy it and get your car on the road.

COMPREHENSIVE VS THIRD PARTY CAR INSURANCE

Here is a comparison between comprehensive vs third party car insurance.

Comprehensive car insurance

• It is a combination of own damage cover ad third party liability insurance.
• This implies, comprehensive insurance does more than just financial assistance for damages caused by your car.
• The entire repair cost for the damage caused by the car under circumstances like an accident, natural calamity is also covered under this type of car insurance.
• Depending on the terms and conditions, the extent of coverage under the comprehensive car insurance may vary.

Third-Party car insurance

• This type of car insurance offers financial assistance to you in case there are injuries and damages caused by your car.
• The main difference between Third-Party car insure and comprehensive car insurance is the fact that the former doesn’t cover own-damage financial assistance.

Which is the best car insurance policy?

• Third-Party car insurance offers only limited coverage. It only covers damages or injuries caused to other people by your car.
• It does not offer own-damage cover.
• Why pay the repair cost from your pocket unnecessarily?
• Comprehensive car insurance covers offer wide coverage. This makes it a better option as compared to Third-Party insurance policy.

Important parameters you must be aware of, before buying a car insurance policy

Make sure you get to know these important car insurance policy terms:

• Sum assured
• Deductible
• Zero-description
• Add-ons
• Return to invoice
• Insured declared value
• No-claim bonus