Top Tips for Motor Insurance

By Roger J Jones

If you're looking for motor insurance in Northern Ireland or approaching renewal time, here are a few useful tips that will hopefully help.

1. Remember that you have choice

We all know that in the past it wasn't always easy to find many options for motor insurance in Northern Ireland. The old take-it-or-leave-it insurance days are now fast receding and choice improving as more companies offer their products into our market. You can exploit that to secure yourself more appropriate and possibly more cost-effective cover.

2. Save yourself time

If you really love searching the net then fine - but if you don't, you may still find it a bit time consuming trying to find motor insurers that make their policies available here. So, you can bypass much of the searching if you use a site where the options have already been found and consolidated for you. It may mean you can get that competitive motor insurance quote and use that saved time for doing something you enjoy more!

3. Use your cost reduction options

As choice has increased, so have the options for reducing your premium. For example, some policies may offer discounts for things such as:

- keeping your car garaged at night (or sometimes just simply parked off-road);
- fitting alarms or immobilisers;
- not trying to include younger drivers in the cover.

What's actually offered will typically vary depending upon the insurer and the policy - but it's worth thinking about as sometimes a modest effort will save you noticeable amounts of cash.

4. Go for standard options

As a general rule, insurers like standard and unmodified vehicles. The moment you start putting in high-spec engines, radically upgrading the wheels, tyres and so on, then you're getting into customised car territory and that may prove to be very expensive (or even a showstopper) in terms of insurance. Don't forget that if you do make significant changes to your vehicle, then you must inform your insurers. If you don't, you risk invalidating your insurance.

In all areas, remember today that motor insurance in Northern Ireland isn't what it once was - enjoy and exploit that fact.

Article Source: EzineArticles.com

Are You Looking For Cheap Car Insurance?

By Carson Bauer

Every state has their own policy when it comes to car insurance. What is required in one state may not be a requirement in another, and thus can result in cheaper car insurance depending on where you live. If you've recently moved to a new state or are planning on living part of the year in another state, you have a whole new set of qualifiers for auto insurance. It is important to know what coverage you will need in order to abide by the insurance laws in the state you move to.

Generally speaking, in most states all drivers must carry insurance coverage that includes bodily injury liability coverage, no fault coverage, and property damage coverage. When looking for cheap car insurance in your new state of residence, it is essential to be aware of this requirement so that you can get a proper quote. While you may be able to find a cheaper policy that doesn't include all of this coverage, you will be breaking the law and may have to face dire consequences should you not have the proper coverage.

In some states, the bodily injury liability coverage required by is $10,000 for a single person injured in an accident and $20,000 for all injured people. No fault coverage provides coverage no matter who is at fault in an accident, and must be included in your auto insurance policy. There is also a Personal Injury Protection, or PIP, requirement of at least $10,000 for disability and medical expenses as well as a $5,000 per person requirement for life insurance. Something to keep in mind when searching for cheap car insurance is that you can be open to having a lawsuit filed against you should your insurance not cover the total amount of a person's loss. This is why many people consider paying a higher premium for more coverage.

It isn't impossible to find cheap car insurance in most states, but it is a bit challenging. Finding cheap car insurance is just like finding affordable insurance anywhere else. By being aware of the requirements of your state, you will not only be able to drive confidently and under the guidelines of the law, but protect yourself and others should you experience the unfortunate event of being in an accident.

Do you have more questions about getting affordable car insurance in any state? You can always ask your current broker, but they need to be licensed in the state to be able to give you information or quotes. It is a lot easier to use an online service for free quotes.

Article Source:EzineArticles.com