Car Insurance – AutoGeeze | Latest Sport Car News Insurance Wallpapers Rentals Prices Parts and Reviews Bringing super sports cars at your own showroom Wed, 03 Jul 2019 12:42:40 +0000 en-US hourly 1 Auto Accidents as a Rideshare Vehicle Passenger Wed, 03 Jul 2019 12:42:38 +0000
2010 Car Accident Data

While taking a Lyft or Uber to get around is a great way to reduce traffic, save yourself the trouble of enduring parking in the city, and save the environment, it’s not without its shortcomings. For instance, you may be involved in an accident while in the backseat of a rideshare vehicle. Do you know who bears responsibility for any injuries you sustained? 

Knowing Whose Insurance Applies

If the ridesharing driver is deemed to be at fault for the accident, Uber and Lyft have third-party liability insurance plans, which can cover up to $1 million for your injuries. That said, those plans only activate after all possibilities to recover damages from the driver’s personal insurance plan have been exhausted. 

Maybe the driver wasn’t at fault for the accident. If so, the focus of your auto accident claims turns toward the actual at-fault driver. There’s a chance you may have to receive compensation with the help of legal assistance, depending on how complicated matters become. In either case, it’s good to look into what’s known as un/underinsured motorist insurance coverage. Such coverage could be of great help if the responsible party either doesn’t have insurance or doesn’t have enough insurance. 

Passenger Responsibility 

There is one exception to whether you have a solid case on your hands in the event of a ridesharing accident while you are a passenger. Passengers who are intoxicated or otherwise unruly and contribute to an accident because of their state of mind or actions harm their chances of receiving compensation. While such passengers may receive financial compensation, the total amount can be reduced according to their overall percentage of responsibility. 

Filing a Lawsuit 

Depending on your case, you may have no choice but to bring a lawsuit against the ridesharing company. The reason for this is that Lyft, Uber, and other companies like them work with drivers as independent contractors, not employees. That limits the company’s legal responsibility for a driver’s actions. 

While you do have the option of suing Lyft or Uber to receive compensation for your injuries, know that the companies have taken steps to make it considerably difficult to successfully bring a suit against them. It is best to focus on the company’s insurance coverage, or your driver’s insurance coverage before you think about hitting the company directly. Speaking with a legal professional can help you determine your best next move, and the best use of your time and energy. 

Damages To Consider 

Speaking of the best use of your time and energy, knowing what damages you can collect as a result of an accident can help you focus your case. For instance, you can receive damages for future and past mental anguish, physical pain and suffering, and physical injuries that result in impairment. Hospital, medical, disability, and rehabilitation expenses are another type of damages you can seek to recover. Maybe your injuries left you unable to work, or otherwise resulted in a loss of wages, which is another type of damages.

There is no need for you to bear responsibility for injuries suffered as a passenger in someone else’s vehicle. Now you have a better idea of how to proceed if you are ever injured in a ridesharing vehicle.

Exhibit Your Intelligence by Buying the Best Car Insurance Wed, 05 Dec 2018 13:52:34 +0000 Car Insurance is not just an option but a compulsion in our country, India. Your car policy not only protects others but good for your safety as well. Buying the right insurance for your car is always in your hands. Insurance Regulatory & Development Authority (IRDAI) has laid down certain rules in the context of your car policy that you must adhere to. Some of them relates to compulsory third party insurance with a minimum policy tenure and mandatory insurance cap for the drivers.  

You can not avoid these compulsory clauses as laid down by IRDAI in the favor of the vehicle owners only. Luckily you do have flexibility in choosing the best insurance plan for own damage in your car. You can scrutinize your motor insurance with certain due-diligence and can get the best policy for yourself. Vehicle owners need a car policy at the time of buying a new car or during a renewal. While renewing your car policy you have the flexibility to change your insurance company.  


Buy it Online

If you plan to buy your car policy online not only will you get the best price but it will be much more convenient as well. You will have a choice to select from many leading players as well from the online comparison sites like PolicyX. Some of the motor insurance players that can give you the best price can be bajaj allianz, hdfc ergo, bharti axa, national car insurance and many more.  


Use the Online Premium Calculator

You must choose your car policy from the leading insurance players. The best way of doing so is by using an online car insurance calculator. It’s simple to use and can give you the multiple quotes from various insurance players for the car.  You just need to enter some variants and you can get the details of the premium amount in front of your screen. Some variants that you may require to get the quotes for your car insurance premium are as follows.

Sno. Car Insurane Premium Calculator Variants
1. Car Model
2. Car Make
3. Year of Manufacturing
4. City of Purchase
5. Contact Details of the Vehicle Owner  
6. Insurance Policy Number in case of Old Cars


After entering all the details above you get the amount of premium from various insurance companies. You can then check the lowest premium and select it if it suits all your requirements.  


Check the Features of Car Insurance Players

Along with the premium of the car insurance players what makes a difference is the features of the car insurance. To stay competitive, car policy players may offer you many inbuilt add-ons. Women vehicle owners may have certain more advantage like free car towing during car breakdown. You can always check all the unique features and consider it while deciding about your car policy. Car insurance players introduce better features every year, you can stay updated about them and can change your car insurance firm at the time of renewal as well.


Choose the Right Type of Car Insurance

While having a third party cover is mandatory as per the latest rule of IRDAI you can stay flexible on own damage and other types of car policies. Choose the cover as per your requirement with in the limits of insured declared value of your car. You can get the details of various types of car policies on web aggregators like PolicyX. Check the details on their web pages or dig deeper on their blogs.


Avail NCB Discounts  

No Claim Bonus (NCB) can help you in getting the best deals at the time of your car insurance premium. NCB discount can be increased up to 50%, you can avail it after every non-claim year. It’s always recommended to avoid small claims to get the best discounts on NCB. You can always do smart cost-benefit analysis while going for petty claims. If after  analysis the discount on the car policy premium you get is better than your trivial claim than it goes without saying to drop such a claim. Your NCB increases at a steady pace every year at the rate of 5 to 10%. If you avail any claim in between, then your amount of premium discount will be adversely affected.


By following a few simple steps you surely can get the best deal for your car insurance plan. Stay smart and protected by buying the best car insurance with minimum investment.

The Aftermath of an Accident: Learn How to File Your Auto Insurance Claim in 5 Easy Steps Thu, 25 Oct 2018 13:52:46 +0000

No matter how minor they are, car accidents are stressful occurrences. When you have to file your auto insurance claim it can become even more difficult.

To take the guesswork out of the matter, here are 5 easy steps to walk you through filing your auto insurance claim.

How to File Your Auto Insurance Claim in 5 Easy Steps

When you are in an automobile accident, it is important to take care of your health first and seek emergency treatment if you are injured. Beyond that, you want to ensure that your property damages and medical bills are covered, so you will need to file your auto insurance claim correctly.

To avoid problems later in getting your claims paid, be sure to follow these simple steps when you file with your insurance company.

Call the police right away

Whether you are injured or not, your insurance company is going to require a police report to process your claims. This will help them determine who the at-fault party was and which insurance is responsible for your bills.

Sometimes there are discrepancies with the police report and your insurance company will deny your claim. If this is the case, or if you are injured in the accident, you should immediately seek help through avenues such as Derrick Law Firm’s expert legal services to ensure you are getting the benefits you are entitled to from your policy.

Collect your own set of evidence

The police and emergency officials will be doing their job, but you want to protect yourself as well. Take a few minutes, if you are not injured, to go around and take pictures and/or video of the accident scene. Write down the names, phone numbers, and addresses of any potential witnesses.

Be sure to get the personal information and insurance card from the other driver, as well. You will need this information to file your insurance claim, and you may need the other evidence to provide to your adjuster if there are disputes.

Call your insurance company

As soon as possible, call your insurance company and report your claim. You will need the information above, but even if you do not have all of it, don’t delay in reporting the accident.

Some insurance companies have a timely reporting policy, and if you wait beyond their time limits they can legally deny coverage for your damages.

Speak to your claims adjuster

Your adjuster will be your go-between to discuss any issues between the other insurance companies involved and you. They will help you find a covered mechanic to fix damages, help you get a rental vehicle if you have coverage, and handle any personal injury claim you make.

The Steps are Simple to Filing Your Claim

Don’t let the paperwork overwhelm you in a stressful situation. Follow these four simple steps and you will be able to focus on recovering from your accident, getting your car fixed, and taking care of your injuries.



When Silence Is the Best Answer: 3 Questions You Should Never Answer in an Auto Insurance Settlement Thu, 25 Oct 2018 13:20:12 +0000

If you have been in a car accident in the Orlando area, you are not alone. In 2016, there were 1,081 vehicle accidents per day in Florida. The total of 395,785 vehicle accidents produced 254,155 injuries including 21,645 incapacitating injuries plus 3,176 fatalities (A Safer Florida Traffic Crash Results).

So, the facts of your situation may lie in the numbers. You may find yourself being sued by the other party to the accident. Or, you may be the claimant trying to get what you need from the insurance companies involved to be made financially whole again.

If you want that settlement to be fair and satisfying, there are at least three questions you should never answer in an auto insurance settlement.

What happened?

You should not talk to anyone who represents the other party to your car accident. Insurance adjusters or lawyers may try to contact you with a simple question about what happened. But, you should simply refer them to your car accident attorney.

Will you just sign here?

It may seem natural to sign a lot of papers during a claims process. But, you should never sign anything you have not read thoroughly. And, in the case of an auto insurance settlement, those forms can be complicated. You could inadvertently sign away rights and commit to a settlement that does not meet your needs.

How are you feeling?

When the other driver or their representative asks how you feel, it may not be an innocent question. If compensation for personal injury is part of the issue, you can change the settlement discussion by saying that you are feeling great.


When silence is the best answer

Most insurance adjusters are good people. They know their jobs well, and like other people, they take pride in their work. But, they work for insurance companies that are for-profit businesses. They are expected to keep the costs low while serving their customers well.

They are not inclined by circumstances to give money away. They have strict protocols to follow and need as much information as they can secure to explain and justify the settlement they offer. But, you have a right to remain silent.

Whether a car accident settlement reaches a sensitive debate or difficult impasse, you may need legal representation. According to the American Bar Association, “The purpose of settlement negotiations is to arrive at agreements satisfactory to those whom a lawyer represents and consistent with law and relevant rules of professional responsibility. During settlement negotiations and in concluding a settlement, a lawyer is the client’s representative and fiduciary, and should act in the client’s best interest and in furtherance of the client’s lawful goals,”

And, an attorney’s first advice will be to hold your own counsel; that is, you should let the attorney represent you in negotiations and throughout the settlement process. That will mean never answering certain questions.

Is your car insurance ready for what’s coming in 2019? Wed, 26 Sep 2018 12:53:28 +0000

We do not know what is around the corner and car insurance, rather annoyingly, depends on a variety of variables before it comes to you deciding whether or not it is a fair amount. However, it is a part of owning a car that must be adhered to and is something that can alter with changes both in your personal life and on a more national scale.

To that end, here we look at possible events in 2019 that could affect how much you pay for car insurance:


Regardless of how you voted in the referendum, that fact that Britain is leaving the European Union can make some changes on your car insurance.

Currently EU law dictates that, in the UK, women and men pay different prices. With the independence companies will gain, the market is expected to become much more competitive.

General election

Keeping with the political theme, car insurance, like everything else, would be affected by a general election in 2019. Whichever political party is in power after it, it’s recommended to expect big changes and for car insurance to play a big part in all manifestos. No matter who ends up in charge, Call Wiser ensures you have the right policy for you.

Stormy conditions

In the event of horrific weather – and, let’s face it, it’s to be expected – your car insurance can be affected. If you were to drive through a flooded area, for instance, your premiums might rise with water going up, into your engine.

Hail damage, on the other hand, can be covered by a fully comprehensive policy.

During heavy winds, however, your insurance may be affected by something being blown onto your car. If this was to occur, it is vital you take photographic evidence of the damage and send it to your insurers, as support of your claim.  

Hot weather

As harsh as rain and stormy weather may be and how they may both affect your insurance, hot weather may be just as affective to your premiums.

The damage your car may endure throughout the summer months, for instance, may greatly affect how much you pay for your insurance. This damage could include cracks in your windscreen, the rise of your tyre pressure and the evaporation of your battery’s fluid.

Be warned, however, that some companies add more to your policy for windscreen cover, so it may be a case of comparing the additional price of windscreen cover to the price you may pay for a damaged windscreen.  

So, whilst you’re enjoying the sunshine, be sure to look after your car.

How you use your car

As well as all the above ‘outside’ factors, one internal element that will affect your car insurance is how much you use it and your vehicle’s mileage. Obviously, the more your drive, the more you pay, so you should probably take this into consideration when calculating your premiums. These, and the state of your vehicle, will all go towards adding up your insurance amount.    

What to do if You’re in a Rollover Accident Mon, 23 Jul 2018 14:37:25 +0000

Rollover car accidents are one of the scariest types of accidents. These are the accidents we all slow down to look at when we’re driving by, as they often look very bad. But however bad they look, they are even worse when you’re apart of them. Going through a car rollover is a scary experience, and there is a lot you’re going to need to deal with afterwards. To help you out, here is everything you need to know about going through this process.

During the Accident

For starters, we should talk about what to do when going through the roll. Often you can tell when your car is about to tip and rollover, and you’ll have a split second to make some decisions. The first thing you should do is pick up your feet off of the pedals, as this will help to reduce the chances of breaking an ankle. Next, remove your hands from the steering wheel, and cross your arms across your chest. Press yourself as best you can against the back of your seat and resist the urge to lean forward. Doing all of this will make it less likely that you’ll break an arm or receive brain damage.

Immediately After the Roll

Once you’re sure the car is done rolling, you can begin to assess the situation. First, take a deep breath, and start examining yourself for injuries. You may feel pain if something is broken or cut, but this is not always the case. Take a moment to run your hands over your body, looking for signs of injury.

After you’ve examined yourself, take a few more deep breathes to calm yourself down. If there are other people in the car with you, see if they are injured. Should they be injured, do not move them, and wait for help to arrive. During this time you should also shut off the engine by turning the key, especially if your car is upside down.

Now you need to plan your exit strategy. If the car is completely upside down, you’ll want to brace yourself against the ceiling with one of your hands while you undo your seatbelt. Be very cautious here, as this is where the majority of post-roll injuries occurs. Once you’re free from your seat, you can start looking for a way out. In some cases the car is still structurally sound, and you can simply open up the door. In other cases, you may need to roll down a window. If neither of these is an option, you’ll have to break some glass. Use caution when doing this, and make sure you’ve removed all broken glass from the window before you attempt to crawl out.

Once you’ve gotten out, you can begin helping out others in the car, provided they are not injured. With everyone out, get a safe distance away from the vehicle and call for help.

Dealing with Other Drivers

In some cases, a car rolling over involves another driver. When you’re out of the car, see if any other vehicles were involved with the crash. You may need to assist the other drivers and help them get out of their cars. Once everyone is safe, you can begin the standard car accident procedures. This includes sharing your name, address, insurance information, and car information. You’ll want to take pictures of the accident, along with anything that might have caused it.

The Aftermath

Unfortunately, getting out of your car and to safety is just the beginning of this process. There’s a lot of things you need to do after the accident in order to get your life back in order. You’ll need to have your car towed, and work with your insurance company to pay for the damages, or help afford a new car.

You may also have injuries from the accident, and you’ll need time to heal from these. In some cases, if you’re the victim of a rollover accident, you may need to work with a lawyer in order to receive money from other parties.

Preventing Future Rollovers

Finally, the last thing you want to do is learn how to keep this from happening again. Rollovers often occur when a driver is driving too fast, particularly around a corner. They are also likely to occur on rural roads with high speed limits, so you’ll want to be extra careful on these. The best thing you can do is examine what caused this rollover, learn from your mistakes, and keep these lessons in mind whenever you drive, so that you can avoid going through this ordeal again.

Guide to insuring your van Thu, 21 Jun 2018 13:53:43 +0000

If you drive a van, you must have insurance by law unless you vehicle is registered with a statutory off-road notice (SORN). This legal responsibility ensures that you are covered in case of an accident including your vehicle that causes another person or their property damage. If you are caught without insurance, you can be fined up to £1,000 and face court prosecution.  

Here at Trade Direct Insurance (, we provide van insurance for business, commercial and personal use, as well as individuals, sole traders, partnerships, limited companies and limited liability partnerships. We also provide optional benefits such as 24/7 tool cover, European cover, breakdown cover, and a protected no claims discount. If you’re looking for van insurance tailored to you, get in touch!


Should I insure my vehicle as a car or a van?

It’s important that you get the right level of cover for your vehicle:

  • If your vehicle category is M1, you’ll need car insurance
  • If your vehicle category is N1 or N2, you’ll need van insurance

If you’re unsure whether your vehicle should be insured as a car or a van, check your V5C vehicle log book.


Do I need private or commercial van insurance?

If you use your van for business purposes, you will need commercial van insurance cover. That includes:

  • Sole traders, such as builders
  • Business owners that use vans, such as those providing a courier service

However, if you use your van for both personal and business use, it can sometimes be difficult to know where you stand. Most insurers only provide private van insurance for vehicles that are used solely for social and domestic driving – even if you use your van for travelling to and from work, you might need commercial van insurance so always check with your insurer.


Types of van insurance

There are different types of van insurance available depending on the level of cover you require:


  • Telematics – this is a growing area in the world of vehicle insurance. A black box or app will calculate your insurance premium based on the way you drive.
  • Third party only – this is the minimum level of insurance cover required by law. This covers you against damage to any third party and their property. It won’t cover your own vehicle or property.
  • Third party, fire and theft – this covers you for any damage to third party property, as well as theft of your vehicle and damage caused by theft and fire. This policy will not pay out for accidental damage to your vehicle.
  • Fully comprehensive – a higher level of cover, which protects you, your vehicle, your passengers, and property, as well as any third parties involved in the accident and their property. This level of cover also protects your van against vandalism and theft.


What isn’t covered by my van insurance?

Of course, this will vary from policy to policy, but, as a general rule, most van insurance policies do not cover:

  • Damage resulting from wear and tear
  • Mechanical, electrical, or electronic failure
  • Theft if your keys have been left in the vehicle
  • Theft of belongings or tools if your van has been left unlocked
  • Any goods or stock you’re carrying in the van, unless you’ve added this as a policy extra (see below)


Policy extras

You can usually extend your van insurance policy cover to include a number of additional features, including:

  • Legal Cover – Although there’s no legal requirement to have legal cover as part of your policy, it could save you a lot of money, providing financial protection against any legal fees and losses incurred as the result of an accident that wasn’t your fault.
  • Breakdown Cover – Breakdown cover can be incredibly beneficial, particularly if you use your vehicle for work. If you add commercial breakdown cover into your van insurance policy, you will commonly be given access to a 24 hour breakdown helpline. You can typically choose from several different types of breakdown cover, including fleet breakdown cover, which will cover multiple vehicles, or pay for use cover, which means you only pay if one of your vehicles breaks down.
  • Protected no claims discount – If you have to make a claim on your van insurance, your no claims discount will be protected, saving you money on your premium.
  • Replacement van cover – If your van needs to be recovered, you will be given a van to use until you’re back on the road. This will help prevent loss of work.
  • Foreign use cover – If you use your van abroad, this policy extra will ensure you have the same level of cover anywhere in Europe as you do in the UK.


With commercial van insurance policies, you can also get cover for:

  • Tools – This policy extra will protect your work tools against loss and damage caused by fire, theft, or an accident.
  • Goods in transit – Any items being transported in your van will be covered against loss, damage, or theft. You can also opt to ensure your tools if they are left in your van overnight, however this can incur an additional cost.
  • Multiple drivers – Ensure that different drivers are covered to use the vehicle.
  • Trailers – This will protect any trailer attached to your van against damage, loss, and theft.


Temporary van insurance

A temporary van insurance policy can be used to cover your van as and when you need it, meaning you don’t have to pay for a 12 month policy if you only occasionally use you van. There are temporary van insurance policies available that last anywhere from one day to one month, including those for both personal and commercial use.

This can save you money because you only pay for the cover you need. However, you won’t be able to build up a no-claims discount.


Factors that can affect your insurance premium

  • Where you live

If you live in an area where crime rates are high, this may increase your insurance premium due to the increased risk of theft. Where you store your van is also a factor, whether you leave it on business premises, on your drive, or in a garage.

  • Claim history

If you have made claims in the past, this may increase your premium. If you have no claims for a number of consecutive years, you will build a no claims bonus. This bonus generally means you will be offered a discount.

  • Occupation

Your occupation can affect the amount you pay for your insurance. For example, some jobs require you to be on the road more hours than others, which means you could be at higher risk of an accident.

  • What you use your vehicle for

When insuring your van, you need to choose the right policy for you whether that’s personal, business or commercial cover. This will take into consideration what you keep in your van, as if you store tools overnight, this may increase the risk of burglary.

  • Experience

In general, the longer you have been driving, the lower your insurance premium if you have no convictions or previous claims. Your premium may also be reduced if you have taken an advanced driving course.

How can I reduce the cost of my insurance premium?

It’s not guaranteed, but if you secure your van with anti-theft devices such as alarms and immobilizers, this can reduce your annual premium. Keeping your van on your driveway can also help to bring your premium down.  You can also cap your annual mileage if you don’t drive many miles throughout the year.

For example, if you drive under 5,000 miles per annum, you might be able to claim for a limited mileage discount.


Filling in the application

When it comes to applying for your van insurance, the main thing your insurer needs from you is for you to be completely transparent and honest. You need to be truthful in all of the answers you give, if you give mis-information, you may find your policy is invalid and this can cause huge problems if an accident occurs. It’s not worth withholding any information, especially if you want to be covered legally and safely.

Before you submit your application, you should double check all of your information and ensure you are requesting the correct level of cover.

Your insurer may also need:

  • A copy of your driving license
  • Proof of your no claims bonus
  • Proof of your advanced driving course (if applicable)
  • Proof of any security measures at your property

Thanks for reading our van insurance guide. We hope you’ve found our tips and tricks useful. If you have any questions about van insurance, why not explore our website at or give our friendly team a call for a no-obligation quote.


A Prolonged Car Insurance is Worth More Than You Think: Here are the Reasons Why Wed, 27 Dec 2017 08:11:47 +0000

A lot of things can happen to your car because of everyday use, while you may have purchased it with an attached warranty, it does not last for more than three years. Admittedly, most issues occur after the coverage has lapsed, leaving you with exorbitant bills to pay in case something bad happens.

A protracted auto coverage offers more benefits as opposed to what others may claim. Not only will you get the assurance you need in cases when your car breaks down, but you can also have the security of being able to prevent initial outlays from seeping into your bank accounts.

A Prolonged Auto Insurance Offers Guaranteed Repair for Your Vehicle

A lot of people think twice about expanding the length of their auto warranty because they think it’s just a waste of money. But the truth of the matter is, it is more beneficial in the long run. Not only will you be able to eliminate sudden out-of-pocket expenses, but a comprehensive warranty offers to get your car repaired in no time.

This means being able to get the most out of your vehicle and routine check-ups is never a problem. Partner auto shops can check your car as needed without you having to worry about where to get the money. This is often the most obvious benefit that people often take for granted. The initial outlay is often where people focus on without thinking of the long-term benefits of such.

Factory-backed Warranties Can Be an All-inclusive Coverage

There are three basic types of auto warranties – a new car warranty, an assured warranty, and a used-car warranty. Depending on the type of vehicle you have, each and every one of them can be determined by the amount of mileage and the number of years they have been used. Have you ever been stuck with that annoying Check Engine Light that just wont go off? We all have and sometimes there is a better solution then having to go to the car dealerships repair shop and being billed an outrageous amount.

Knowing your options and having a little knowledge about your options can help you make a better decision. While a lot of people still argue whether to get one or not, it may be best to understand that these warranties can be factory-backed and allow you have a broad coverage for specific parts of your vehicle. Ultimately, the aim of getting a lengthened coverage is to lessen your out-of-pocket expense and make things a little easier on your finances.

A Comprehensive Auto Warranty Increases Resale Value

It is a common fact that your car will devalue with time, but given that, yours still have an attached warranty means that it will be able to maintain its market value. Not only will you have access to routine auto maintenance, but keeping your car in tip-top shape will be a breeze. Endurance Warranty has a detailed breakdown of costs in their education center for those looking for more information.

Simply put, a comprehensive auto warranty is more than just an extra expense, but it can work to your advantage in the case when you need to resell your vehicle. A prolonged auto warranty can also be a good selling point for your car. Most people want to purchase a vehicle that is still covered by a prevailing auto coverage to protect them from untoward incidents.


Avoiding Car Insurance Policy Scams for the First-Time Driver: 5 Tips Tue, 28 Mar 2017 15:37:41 +0000

When you start driving and buy your first car, one of the most important decisions you will make is which car insurance company you will buy your policy from. From television to the internet, there are ads that promise you car insurance for literally pennies a day. Some of these promises may sound too good to be true. Before you shop around for car insurance companies and basic policies, there are a few facts you should know so that you can avoid being taken by an inferior or dishonest company.


1.     Ask for Advice from Experienced Drivers


One of the easiest ways to ensure that you get quality coverage is to go with the company that your parents and family have trusted for years. While you may think that because you are a first-time driver, you need to break away and find your own agent. However, your inexperience with car insurance may cause you to choose poorly. By going with an agent that your family trusts, you do not have to worry about whether they are legitimate.


2.     Read Online Reviews


While some ads on television may offer insurance for what seems like a low monthly fee, there are often hidden fees that a company may not tell you about up front. To avoid being scammed, you may want to do a little bit of detective work before deciding which insurance company to sign with. Do an internet search and see what others have said about them on company review sites. If a company has been flagged by independent consumer report sites more than once or a number of people have lodged complaints against it, you may want to steer clear.


3.     Cheap Coverage Is Not Always Good Coverage


Some companies might seem to have amazing rates, but before you sign up, you should read the fine print. Cheap car insurance may save you on your premiums, but if you are involved in an accident, it may not give you the type of coverage you need. As such, you might end up paying hundreds more than necessary in both your deductible and compensation to the other driver, especially if you were at fault.


Knowing as much as you can about a policy before committing to it is one of the most effective ways to avoid getting taken. If you are unfamiliar about certain types of coverage, such as the difference between collision and liability, you may want to ask a local independent car insurance agent to go over potential polices with you.


4.     Take Time to Compare Rates


Comparing cheap car insurance rates is another way to avoid being scammed by less-than-reputable companies. Before you decide on what company to use, take a few days and compare rates side by side to see which companies can offer you the most coverage at the lowest rate. Consider using a website like to help you narrow down your choices.


5.     Look into Discount Details


When you take the time to compare car insurance companies, not only can you avoid getting scammed by coverage that is not all it claims to be, you may also want to look into driving discount details to ensure they can indeed save you money. For example, you can save money on car insurance if you choose a company that offers a safe driving discount through via monitoring devices you carry in your vehicle, but it is important to understand how they work first.


If you are unfamiliar with car monitoring devices, you should know that the idea behind them is quite simple. These small plug-in gadgets monitor how far you travel each day, your braking habits, and other kinds of data. The safer your habits are, the bigger the discount you can earn. Therefore, if you focus on driving safely every day, this can be a path to significant savings on your car insurance premiums.


While choosing a car insurance company may not seem like an important decision at first, if you choose poorly, it can end up costing you time and a great deal of money down the road. Before you choose, take your time and do some comparison shopping. This way, you may avoid getting scammed while you shop for cheap car insurance and ensure that you get a cost-effective policy that will protect both you and other drivers while you are on the road.


How to find the best car deals for you Wed, 31 Aug 2016 23:24:09 +0000 buying-a-car

Buying a car is usually one of the most expensive purchases that many of us will make. As a result, you should take your time when making your choice so that you can find the best vehicle for your needs – at the most attractive price possible.

Join new and used car dealership Motorparks as they guide you through the steps you need to consider for finding the best car deals every time:

First things first – do your research

The most important word of advice when it comes to shopping for a car is to never make a rash decision — this is a big investment and so plenty of research is strongly advised.

There are two main factors to consider here. Number one, what do you want from your set of wheels? Number two, how much will the vehicle that has caught your eye eventually cost you?

To answer these questions, work your way through the following checklists:

Checklist 1: What do you want from your vehicle?

  • What is more important to you — a fuel-efficient car or one that is so spacious that it will be able to comfortably accommodate the entire family?
  • Does your vehicle need to meet a specific need? Perhaps it will be required to fit into a small space when parked at night, or tow a trailer/caravan on a regular basis.
  • Will the car be used more for short commutes around a city, or longer trips along the motorway?
  • Which form of power is more appealing to you — petrol, diesel, hybrid, electric, hydrogen?
  • How big will the boot need to be? Everything from a pushchair to a wheelchair and sports equipment will require quite a bit of storage space.

Once you’ve answered the above questions, you should start to get a clear idea of the type of car that will suit your requirements. However, don’t jump to the conclusion that the search is complete even when you spot the vehicle that appeals to you. For instance, Motorparks currently has four equally appealing types of new Ford Focus available at the moment…

  1. There’s the standard new Ford Focus, which stands out for its unbelievable control and efficient set-up.
  2. The new Ford Focus Estate is the most appealing to those in the market for a spacious and stylish family car.
  3. Those aiming to catch the eye and put the thrill into driving wherever their journey takes them should seek out the new Ford Focus ST.
  4. If you don’t mind spending a bit more for a family-friendly car that is also exhilarating to drive, take a look at the new Ford Focus ST Estate.

Checklist 2: How much will your car cost you?

  • Of course, the first aspect of cost will be the price you will need to pay in order to actually acquire the vehicle. Fortunately, there’s multiple ways to finance buying a car today — take a look at this guide by The Money Advice Service to find the one most suitable to you.
  • Consider the estimated price of fuel, road tax, insurance, parking permits and use of any toll roads that you will have to factor in to get your new set of wheels from A to B. Struggling to add all of these up? This handy car cost calculator should help put your mind at ease.
  • If you’re opting for a brand-new car, how much will the servicing cost you for the first three years? The dealership where you purchase your vehicle should be able to answer this one.
  • Every car will need to go through a yearly MOT once it’s three years old, so this is a cost that simply cannot be ignored. Try to keep the cost down as much as possible by reading through these tips by

Tactics for speaking to a salesperson

By now, you should have a type of car in mind and have factored in all costs so that the vehicle matches your budget. The next step is to head to the dealership to try and negotiate a great deal.

Negotiation is key when you’re talking to a salesperson. As such, you should never let slip the top limit that you are prepared to pay for the car that has caught your eye. Instead, start by saying an amount that is below the lower limit that you’re prepared to pay and, if need be, work your way gradually up from there.

Also be patient. Adopt a friendly and polite manner throughout a conversation with a salesperson and don’t speak again once you’ve made an offer until they have had time to offer a response.

Most of all, don’t be afraid to walk away if the price you’re being offered doesn’t suit you. Even if you’ve been negotiating for a long time, at the end of the day it is your decision and you shouldn’t ever feel pressured to pay more than you’re comfortable with.