15 Advice to Reduce your Car Insurance Costs
The cost of car insurance can take a large part of your driving budget, but does not have to be this way.
There are 15 advice to help you reduce the cost of insurance on your vehicle new:
1. Shopping:
Association of British Insurers (ABI) believes that you can save as much as one-third of your annual premium, simply by shopping around.
2. Limit the number of people allowed to drive the car.
3. excess demand
Most insurance policies cover the excess charge (ie the amount you have to pay for any repairs). If you are willing to pay the increase can get more cuts
4. Do not use your car for work
Insurance policies that cover only "social fun, local and" usually cheaper.
5. Approval of a cap on the number of miles
This can earn you a discount simply because the cars that are on the road are often less likely to be involved in an accident. AA Insurance believes that the acceptance of the annual cap of 12,000 miles to earn 5 to 10 per cent discount. 5,000-mile cap can earn more. It is particularly useful for families with more than one car.
6. Avoid brokers
Purchase through intermediaries can increase the cost of insurance by up to 30 per cent.
7. buy online
Many auto insurance providers offer a discount of 5 per cent for transactions over the Internet.
8. consider reducing Ahadjmalsearat of least value and the engine is smaller teams where insurance is less.
9. Keep your car parked in the garage
You can save your car in a garage or on a drive instead of on the road take between 5 and 10 per cent of your premium.
10. Ask for a discount
Some insurance companies only offer you a discount because they want custom.
11. Find ways to protect your
Some policies allow you to deliver the demands within certain circumstances you have to pay a small premium up front, but it can save you a fortune in the long run.
12. installation in your car black box
This is where the insurer install a device that monitors how you are driving a car. You can also agree on a curfew at certain times in the day. It works especially well for young drivers.
13. improve your driving skills
Pass Plus driving test, or similar qualification, and can lower your premium cost.
14. Do not assume the cheapest cover third party
Third-party insurance is the legal minimum, which covers damage to the property of others and the cost of any compensation for the injuries. However, this is not always cheaper than a full comprehensive coverage, which covers your own car as well,
15. Do not pay by direct debit
To pay your insurance in monthly installments - and not in a lump sum annually - makes it seem easier. But it is likely to cost you between 10 and 25 per cent increase.
Maintenance and repair of the car
Operations can maintenance and repair of your car potential to cost your budget allocated to the car so much, even though they are necessary expenses. Automotive service professionals will know, whether it is the owner of the workshop, Undersecretary of cars, gas station or technical examination center, how to inspect your car, from engine parts to the glass through the signal lights and disclosure reforms to be carried out and the pieces that need to be changed.
Car maintenance well limit the risk of failure, and even from accidents, because it is better to respond in difficult situations.
On the other hand, regular maintenance managed to keep your wealth, where your car keeps a high value.
How do I take care of the car engine?
- Engine
Must repeatedly scan the oil level, once a week at least. To do this, the vehicle must be in a horizontal position and that the engine is turned off for a quarter of an hour before. The oil standard, optimum oil level is near the limit, but must not exceed in any way.
For some cars, low consumption of oil is normal. Follow the instructions that appear in the Factory Directory is desirable.
Overall, the process is performed to change the oil every 7,500, 10,000 or 15,000 km, depending on the type of car. You must change the oil, which works against the detention of dirt, with every change of the oil refinery (for diesel engine) or when oil change twice.
- Petrol engine or a diesel engine?
Whether your car is equipped with petrol or diesel, it is best to check out of the car every 8 months. Regardless of the technical examination process or the usual oil change, there are several things you should pay attention to it: Change the oil refinery, refinery dust, check the battery status, brake fluid control, distribution and pipe belt scan (Eldoret).
At the expiration of three years or 60,000 kilometers cut, you must change the candles combustion in gasoline engines and Algaswal refinery in diesel engines. It should be noted that the refinery soiled or old candle combustion can lead to high fuel consumption and harm the engine of your car and also Bmazanikm!
Pay attention to the weakness of the first Mahrkkm: Maybe it's time to visit the mechanical workshop to carry out the examination marks.
- Cooling
Necessary to conduct frequent monitoring of the level of the coolant, which must be located between the quotation minimum and maximum phenomena on the bowl expansion. We should not hesitate to re-fill it up to the required level, when the engine is cold, of course.
The coolant level in the radiator directly lose (Radiator) If the car is equipped with potted expansion. Again, it must be the engine cool.
- Tubes (Eldoret)
Cracked pipes must be changed without delay.
- Ventilation belt
It must be properly taut and should not be torn or dowry.
- Ignition
Candles combustion: It is recommended to inspect the situation on a regular basis. It is necessary to be replaced every 20,000 km of new candles of the same type. If not Troukkm handicrafts, it is best to leave this task to a specialist.
Battery: should the internal fluid level regularly lose, and is recommended in the event of falling level allocated to it by filling the battery fluid. And operation of the vehicle to avoid problems, it is advised to clean both sides of plug in the battery from time to time.
- Windshield Wipers
It advised to change the windshield wipers each year at the onset of winter, and generally begin to leave the protective effects of the wind. You should lose windshield wipers fluid level regularly.
- Triggers system
Almost it must be inspected every 20,000 km and it is better on a private platform.
- Brakes
In addition to the continuous monitoring of the level of brake fluid that enables the detection of damage or brake the leak, on a regular basis must be done to change the brake fluid, which begins in damage over time. That too is a specialist in this process.
- Wheels
It should not be showing cracks or rupture. Inspected in particular the erosion of the rotation bar which should be flat. Otherwise, it will lead to an imbalance in the affected balance wheels, either front or rear.
- Tire pressure
You must be inspected every 15 days. And it must do examinations and repairs when they are cool wheels. You should not hesitate to over-inflated slightly (about 200 g) when the vehicle is loaded or when a long commute on the highway.
Tips to take care of a good drive
What is the last time you changed your engine oil? When are you going to change wheels or brake or candles burning sheets? Do you find it difficult to give a specific assessment since your last visit to the workshop of reform?
To avoid being with the left side of the road because of a malfunction in your car, it is better you take care of them. Whether it is a two-seat car, a big car, a family car or an open car, whatever your car model, Flakm lose the following things:
Tire pressure, coolant, brake fluid, oil level, battery ...
Auto Moto
What should be done when an accident occurs?
Get a driver's license, buy a car, secured, are the different stages of the unusual in the driver's life. On the other hand, face the accident is not one of the things that prepare for them. So what to do when he falls unless the account? These tips and tricks for the prevention and management of incidents with car insurance (vv c p t w).
1 / incident: how to deal
Each incident includes physical damage or bodily followed by compensation. When an accident of the car, you have to do to activate Tomenkm having convened and guarantees.
Theft, breaking glass, incident ... each incident procedures.
In any case you must be friendly use of the preview? Always. You must provide the believer always inspect your car filled properly, so that you can declare winning the incident. Always be sure of owning a copy in your car and in your home to avoid any emergency.
2 / Taatovrun on a few days to permit an incident
There is a certain period of the permit for an accident must be respected. Five days is the time available to you to notify the insurance company with all information related to the incident winning you. In the event of theft or attempted theft, they must Tsrhawwa them in a matter of two days after the occurrence.
In order to Taweidkm quickly, Mamenkm provide you with some information. Work to provide the following data with careful precision as much as possible:
The date and time and place of the accident.
Names of personal information for each of the insured and the persons involved in the incident and.
A description of the circumstances of the accident and the resulting losses.
Friendly preview will help you to provide your statement from baseline.
Be aware, never Tcherawa in making the necessary reforms to Mrkpetkm affected. If you are not responsible for the accident, you must prove losses by the expert evaluated.
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What you need to know with respect to the friendly inspection?
Upon the occurrence of the incident, you must keep calm, and in all cases careful to fill record loving (and if at the time of simple material losses). In the event of physical damage, the security forces will be the completion of a report is added to the preview.
Preview friendly is a final document, that is what that is Aamadaaha of the parties:
* Can not be modified,
* Binding on the parties. Can not then any party that claims that contrary to what is actually installed in the preview spent.
Fill preview and returned carefully read carefully before you sign it.
Preview filled with well facilitate the work of the faithful and thus speed up processing your file.
Key elements in a friendly preview:
There are three basic elements constitute a preview:
Intersection signs which serve to determine the responsibility of each driver,
Drawing who can provide additional information in the case not to put any mark in the boxes,
Notes that provide additional explanations and describe the nature of the conflict.
Also must provide identification information (name, address), and which is one of the important details for the believers.
Some tips concerning Friendly Preview:
* Should read the preview mode recruitment
* You must fill out the preview, in the place of the accident, by ballpoint pen so that each party gets easy to read copy.
* Must be mentioned witnesses, if found, to identify with their personal information.
* You must indicate the number of fields that have been marked for each driver.
* It is necessary to answer all the questions.
* Drawing must be implemented carefully (in the case of a contradiction between the drawing and the fields referred to, the precedence for signs of the intersection).
* Must preview signature of both parties.
* You must fill corner observations (in the event of a disagreement with the opponent, referred to in this context).
* Must never be an amendment to a preview of what the copies are separated.
The documents that must be in Hozatkm:
During the process of scrutiny of documents by a sworn agent, the required driver of the car always provide the originals of the following documents:
* driving license
* Gray card
* Insurance certificate (yellow card)
* The document technical inspection for vehicles older than five years
In the absence of these documents, the driver is exposed to criminal penalties.
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What should be done in the event of a traffic accident?
In the event of a traffic accident, five days before you Mamenkm to inform about the incident through a phone call or by written letter or in person with your presence. And you must specify the date and time and place of the accident accurately.
You also work as much as possible to reduce the consequences of the incident, Arise rid insured by the purposes and sure to maintain them after that.
No matter the size of the losses, whether material or physical, Arise, fill the friendly preview. This document is essential to ensure
A quick settlement of the incidents. Always keep a copy in the car empty.
When the insurer receives the preview, the appointment of an expert to assess the amount of the reforms. Experience generally are made in a matter of a week or two after reporting the incident. And the insured in general can determine a certain amount of reforms of the car before sending the experience.
If you guarantee subscribers in damage, whether you are responsible for the incident or not, will be Taweidkm all costs Dftm in order to repair the car, in the limits of the commercial value of the vehicle concerned. In some cases, can repair to the insured value exceeds the commercial value monitoring. If it belongs to you, it will be noted in the public or private requirements for holding.
If not in Tktaatbwa guarantee been damaged and prove your responsibility for the accident, you will not be able to benefit from any compensation. And if you do Tktaatbwa in the guarantee damaged and did not prove your responsibility for the accident, you will be Taweidkm within the limits of the replacement value of the car.
Compensation for bodily harm always preceded by medical expertise.
Compensation linked to the value of the extent of the physical and moral damage. As it is compensated persons transferred by the insured owner of the car in which they were on board when the incident occurred. This means that the civil liability insurance for car owner believes the passengers.
How to choose the right company Insurance
When the time comes to do any insurance process, it is natural to take the initiative to inquire about prices and terms of insurance companies available, it is expected that some offers prices are lower than others, but it is also important comparison between those offers of quality and qualitative terms, this making sure after the insurance provided by the company concerned with the level of service.
Insurance where you live or your vehicle is essential, but the question remains: by any insurance company can get the best view with the best service? In this area has a collaborative and representative offices in most parts of the country to provide the best offers and has a professional and specialized in vehicle insurance and property with the provision of business services team exceeds expectation.
It is clear that our company would like to be the company chosen by you, and us, so we believe it is very important to provide a decent and comprehensive coverage.
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