Car Insurance
Understand Car Insurance and a actual cost of running your car..
Do you consider the cost of insurance before you buy your dream car? If you don’t then be ready to expect a car running cost beyond your expectations.
Here are the few simple steps that you can take to learn car insurance quote and also find out the actual cost of running your car.
Step 1 – Call the car seller and find out following information
- Registeration – this will give you an idea of how old is your car
- Engine Size – Engine size has huge impact on your car insurance quote
- Price – check if the asking price is within your budget.
- Ownership -Since how long the current owner driving the car. Number of owners since the car became available in the market
- Millage – Millage is another factor which could affect your car insurance quote. Higher the millage higher the quote.
- Accident or repaired – Accident or repaired car has an impact on your insurance quote
- MOT – Check when MOT expires. If the MOT expiry date is quite close this could be an alert that the car is on sale because it wouldn’t be able to pass the MOT test. If MOT expiry is close then you should also calculate the price of MOT certificate in your cost of buying a car.
- Tax -Just like a MOT you should also check the expiry date of Car Tax disc.. You wan to buy a car with long MOT and Tax expiry date.
Step 2 – Call the insurance company and get a insurance quote on the base of information you collected from a Seller.
Step 3 – Once you get the quote then calculate
- Monthly Car insurance +
- Car Price +
- Road Tax +
- MOT +
- Millage you will be covering each month (Petrol cost)
Step 4 – Decide if the car is affordable or not.
Safe Driving………………. 
Useful Car Insurance Links
Related Information
Best Ways To Save Money On Your Auto Ins
1. Drive Less for and get a discount
Some carriers will discount your premium with a low-mileage discount if you drive less than 7,500 miles per year. Also ask your agent if you can receive a commuter discount for using public transportation.
Get the answers you need.
Uninsured Motorist Bodily Injury Coverage:
Uninsured Motorist Bodily Injury covers you, the other people on your policy and your passengers for damages or death caused by an uninsured motorist.