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You Can Get Great Motor Insurance

By Expert Author: Pranav V Sharma

What kind of vehicle you buy will strongly influence the cost of your motor insurance premiums. You may be attracted to expensive luxury vehicles, but your insurance rates will come at luxury prices as well. Choose something nice, safe and reliable over a flashier option to save big on insurance bills.

Coverage beyond the legally required minimum is always an option. If you use these options, your premium will increase; however, it may be worth it. Obtaining uninsured motorist coverage makes certain you will be compensated if you are involved in an accident with a driver who has not purchased insurance or if you are hit by someone who hits your vehicle and flees the scene.

It is better to pay your motor insurance premium in one lump sum each year rather than paying monthly installments. You could be paying significantly more if you choose to pay for your insurance monthly. These extra fees can become significant over time.

It is more expensive to get motor insurance for sports vehicles. You want to own a vehicle that is less flashy. The larger the motor is in the vehicle, the more that it is going to cost you to insure it. Sports vehicles are a hot target for thieves and this can drive up your premiums significantly.

Motor insurance rates depend on geography, so if you are moving, it might be time to reevaluate your coverage. Areas that have high crime or are dangerous for other reasons have higher rates, while less-dangerous areas, such as suburbs and rural areas, usually have lower rates.

Having sufficient motor insurance can protect someone should they ever have an accident. The insurance will have the individual pay a certain amount that is already decided, called a deductible; anything over the deductible is covered by the motor insurance company saving money.

It is important to know about the different types of coverage. You should be certain that you have a motor insurance policy that covers any possible incident. You are going to need liability insurance if someone gets injured or there is property damage in an accident where you are at fault so that you don't have to pay damages out-of-pocket. You should also be insured against those drivers who are uninsured, along with vehicular damages such as fires.

Compare rates amongst several insurers before picking motor insurance. You may have to search for the ideal rate.

Make sure you have all the paperwork for additions or repairs made to vehicles and give them to your motor insurance company. Use your cell phone to take pictures of the damage and where the accident took place. It pays to always have a camera on hand in your vehicle.


It is very essential to have a car insurance policy. Author Pranav Sharma is an experienced insurance professional and widely read expert on general insurance based in Mumbai. Pranav helps readers opt for best car insurance policy in India.

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