Car Insurance
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Having adequate insurance cover for your vehicles is just as important as having regular maintenance carried out. I don’t think anybody would want to find out the hard way why Car Insurance is so important. Accidents do happen, it’s a fact of life and not having Insurance can make the experience a very costly one. Gone are the days of metal bumpers and solid bodied cars that take a decent hit to bend, now we have cars with crumple zones that are designed to take the force of the impact and protect the car’s occupants. The downside to this is that the repairs needed for minor collisions can run into the thousands and if you are not covered by Insurance that money comes out of your pocket.
Insurance companies are making things easier for us motorists these days by offering a pay-by-the-month service for most policies. If you are under 25 or have a shocker of a driving record this can be a great way of keeping your car insured without having to fork out a large lump sum in one go. Check with your chosen Insurer, but sometimes the downside can be that if you have to make a claim the remaining years premium is payable before any repairs are done.
Owning a modified car is an expensive hobby at the best of times and I remember when I was in my youth there was no option but to take the risk and drive without insurance because as soon as you mentioned modifications the Car Insurance companies wouldn’t touch you. Fortunately those days are over and more and more Insurance companies are realising there is a market in car enthusiasts looking to insure their vehicles. Companies like Shannons and Just Car Insurance offer cover for legally modified vehicles with drivers of any age. That’s not to say that the cover is cheap but compared with the alternative it can be tens of thousands of dollars cheaper!
There are a lot of things to consider when shopping for Car Insurance, the type of cover that suits you, the number and age of regular drivers and what value you want the car to be insured for. The Internet is your friend when looking for Car Insurance as you can easily get online quotes and there are a few sites which will help you compare the different companies and the cover they offer. Over the course of this week we will have an in-depth look at all the different aspects of Car Insurance Cover, where to find the best deal and how to chose the cover that is right for you.
Take care and be safe on the roads.
Craig
