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Tips for Smart Car Insurance Shopping

To save money you sometimes have to spend money and by having car insurance in place you’re making a sound investment in your future.  The first step that you should take before you begin to drive your shiny new vehicle around town is to obtain the right amount of insurance for the value of the car that you have.  Once that has been decided, you can begin the shopping process which is a great way to find good value for your budget; do keep in mind that your credit score, your driving record, and the type of car that you have will all impact the amount of cover that you need.

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Be Organised

When you purchased your car, you probably received a file that contained the service records for maintenance and other documentation that was pertinent to owning the car.  You should continue this folder so that you can keep track of when you get the car serviced, the proper identification numbers and data that corresponds to your car, and the information that can help you obtain the right cover of car insurance in the beginning.  Having an accurate record of mileage, how the car was maintained, and special additions that you’ve made to the car can all combine to increase its value should you be interested in selling it and upgrading it in the future.

Learn About the Types of Cover Available

If you don’t know or understand what an insurance specialist means when he discusses personal injury protection or collision, you won’t be able to make an educated decision about the type of insurance that you really need to protect both you and your investments.  You should learn as much as you can about a comprehensive policy, what collision cover involves, and the ramifications of having uninsured or underinsured motorist cover.  You’ll be required to carry a basic plan of cover but some of the addendums can save you a great deal of money should a passenger in your car be injured or if you miss work due to the injuries that you received in an accident.  It’s very important to discuss all of these matters with a reputable agent who can explain in simple terms the right type of cover that you need for the value of the car that you have.

Calculate What You Really Need

A dependable company will provide you with a car calculator on their website with dialogue boxes for you to calculate the actual value of your vehicle; this may vary greatly from the amount that you estimate it to be worth.  You’ll be asked to submit the year, make, and model of your car along with the mileage that it currently has on the odometer.  By adding in the optional extras that you have on the car along with the condition of your vehicle you can narrow down to an exact value for your car so that you’ll know how much insurance to get.  One of the most useful websites you can visit is Santam; here you can better know and control the risks of car ownership with an effective policy for your car.

If you’re an educated shopper for car insurance you’ll make a confident decision about what you need and can have peace of mind as you drive around town in your new investment.

Image courtesy of Stuart Miles/FreeDigitalPhotos.net

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