Understanding Car Insurance
When it comes to car insurance, everything is not always easy to understand. This article takes a closer look at what exactly car insurance means to you.
As a car owner, having car insurance is a legal requirement. Your car insurance will provide cover for you as well as any other named drivers in the event of an accident.
Your vehicle has to be roadworthy for your insurance to be valid. There are also many factors that will influence your car insurance premium.
Firstly, the make and model of your vehicle will be important. Also, your age will be taken into account. Younger drivers are typically charged a higher premium than older, experienced drivers. Specific occupations will also attract a higher fee, for example, journalists. It's all about the risk.
Your driving history and how you use your vehicle will be taken into account. If you have any prior convictions, you will likely have a higher insurance rate. This is why it is important to be a responsible driver and try to get your premiums as low as possible.
There are also different types of policies that you can choose from. You can choose from telematics policies or third party only policies. You can also choose third party, fire and theft policies. Then you can have comprehensive insurance that covers all of the above.
There may be some exclusions to your car insurance policy. It's always important to know upfront whether you have any exclusions or not.
There are two types of excess that you can pay, compulsory or voluntary. If you buy a voluntary access it can help to reduce your premiums.
Car Care Centre offer professional insurance repairs for vehicles throughout Birmingham. Contact us on 01214 586 000 to discuss your requirements.