Buying Car Insurance Online
The Internet has made a lot of things easier; we now have instant access to information about almost any subject, and the opportunity to quickly and easily compare prices for everything from mobile phone contracts to car insurance. However it’s easy to get overwhelmed by all of this extra information. The paradox of choice really does apply when you’re looking for insurance online. Try to consider the following when you’re looking for car insurance for your BMW.
Insurance is Just Part of The Equation
Insurance is just one part of the overall cost of owning a car. Don’t sign up for an expensive all-inclusive insurance package if that means you won’t be able to service your car or cover other running costs. Servicing your vehicle, especially if it’s a BMW or another high-end vehicle is something that must be done at regular intervals, and it’ll cost you more in the long run if you skip visits.
Who is The Main Driver
Insurance prices can change dramatically depending on the age, history, and habits of the main driver of the vehicle. Be sure that you’re clear on who is the main driver. Don’t keep trying different quotes with different “main drivers” – this can set alarm bells ringing with many insurance companies.
Use a Spare Email Address
If you plan to try out a lot of different price comparison websites, consider using a throw-away email address for them. The more well-known price comparison sites are usually “safe”, but there are some out there that do sell on email addresses and contact information. Having a spare hotmail or gmail address for use with unknown websites is always good policy.
Don’t Just Count Price
When you’re getting quotes, don’t just look at the bottom line. Pay attention to the level of coverage, the excess, and any added offerings. Sometimes, taking a high excess voluntarily can work out well in reducing your premiums, but this only works if you’re able to pay the excess when the need arises.
Resist the temptation to lie about your habits just to get a cheaper premium. Price comparison websites lay bare the inner workings of the insurance industry, and it can be tempting to change details to see what will get you the cheapest premium. If you don’t actually keep your car in the garage, lying about that detail could leave you in a lot of trouble if your car gets stolen and you have to explain why it was parked in the street.
Insurance is designed to cover your vehicle for your personal driving habits and circumstances. Lying about them to get a cheaper policy helps no-one. If you want to save money on your insurance policy, try changing your habits instead.
Have All the Details Ready
Mistakenly entering the wrong age for your car, or under-estimating your mileage, can also cause problems and might make it difficult for your claims to get approved in the future. For this reason, you should have all of your details on hand when you go searching for a new policy.
This post was written by James Harper on behalf of Main Dealer Discount who can help you save money on BMW service costs. For more info on how to reduce BMW service costs and servicing for other makes please follow this link.