Secrets to get the cheapest car insurance?

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Auto insurance is designed to help protect you in situations that involve your vehicle. Which is one of the reasons that auto coverage follows the car, Auto insurance is a necessity and requirement in all states? Auto insurance is a complete must for all the drivers. Auto insurance provides third party coverage and has emerged as a legal requirement.

Auto insurance is a very simple thing that may cause much confusion for many people. The lack of knowledge, when shopping for general auto insurance, is the problem that most people have. Auto insurance is one of the most used types of personal insurance. Most states require that you purchase some kind of insurance coverage to drive legally in the state. Auto insurance is a "necessary evil" which is necessary for all automobile owners. But it is not enough to have an insured vehicle; the main thing is to have an insured vehicle with best auto insurance.

Auto insurance is certainly one expense that you have to budget for where doing a little research and making some calls can pay huge dividends in both the short and long term. With little time invested, you can potentially save hundreds a year and tens of thousands over your lifetime. Auto insurance is mandatory for drivers in all 50 U.S. However, most drivers rarely, if ever, look at their auto insurance coverages to see exactly how they are protected financially in the case of an auto accident, natural disaster, or vandalism.

Auto insurance is meant to make you whole in the case of an accident with injury or property damage. It is to protect your assets and protect you from liability. Auto insurance is mandatory for all new vehicles, be it for commercial or personal use. Insurance Companies are coming out with comprehensive policies for its customers. Auto insurance is a mandatory thing, but like wearing a seat belt, it is fundamentally good idea. This is why so many people are reluctant to purchase only the bare minimum required by law in their states.

Drivers are classified based on a number of different characteristics including, but not limited to, age and gender, marital status, where the vehicle is garaged, driving record, make and model of vehicle, prior insurance coverage and annual miles driven. History has shown that drivers with certain characteristics, such as a poor driving record, have a greater chance of being involved in an accident, and the drivers in those classifications must pay higher rates. Drivers do not realize how expensive it is to have and operate a vehicle. This "privilege" is heavily subsidized. Drivers who are similar in other respects: age, gender, location, driving safety record, pay nearly the same premiums if they drive five thousand or fifty thousand miles a year. Just as an all-you-can-eat restaurant encourages more eating, all-can-drive insurance pricing encourages more driving.

Coverages include the type of losses for which the company agrees to pay. Each kind of coverage you buy will have its own section in the policy that details the situations it covers, persons insured under it, definitions of various words used, exclusions that apply to the section, and the limits of the company's protection in that section. Coverage provided by group and non-group policies generally is similar. Remember, however, that different companies offer different coverage options in their policies.

Companies having insurance for auto mobiles are accorded a rating depending on a combination of factors such as total experience, claims handling, policy opportunities, pricing and financial strength. Companies frequently adjust rates such that no one company stays in the low cost leader slot very long. Unless you get new quotes every year, you never know that you might be able to get better rates from a different auto insurance company. Companies offer discounts to policyholders who have not had any accidents or moving violations for a number of years. You may also get a discount if you take a defensive driving course. Companies renew policies after expiry. A discount on premium is sometimes provided to existing clients.

Car insurance rates for a 16 yr old can gradually decrease as the teenager learns how to show their level of responsibility more effectively. The less risk that driver shows, the lower their rates will be. Car insurance is one such item because they were very easy to possess but today they create difficulty for our pockets. People think a large number of times before going for any particular insurance plan. Cars that have more expensive parts, or are sportier are equipped with higher insurance rates. Buying a less expensive car will cut down on your insurance and liability coverage costs.

Carefully study coverage extent, the length of time it takes to process claims and extras such as free towing or road assistance. Customer support is also extremely important you want an auto insurance company that can give you maximum support whether online or over the phone. Cars with larger engines typically waste even more gas while idling than cars with smaller engines, according to Consumer Reports, as a rule of thumb, turn off your engine if you will be idling for more than 30 seconds.

Car accidents happen more frequently than you think, and car repair costs are higher than ever. And, in our increasingly litigious society, the chances that you will also be sued by another driver in the accident are very high. Cars are given a rating from 1 to 27, and the higher the number, the higher your premium.

Plan your next car purchase as a negotiation between what you really want and how it will affect your insurance premiums. Determine how much extra you are willing to pay in insurance for a car and use that figure to help you determine what your price range is. Plan ahead and potentially saves lots of money.

Persons sharing characteristics with high claims groups will be charged more for insurance coverage. Personally Identifiable Information might include your name, age, mailing address, telephone number, mobile phone number, email address, and other identification and contact information.

Comprehensive insurance policies have deductibles - the amount of money you have to pay out before your insurance company starts picking up the bill, the higher your deductible, the cheaper your monthly premiums. Comprehensive auto insurance will also protect you from any public liability claim made as a consequence of the accident. As well as accidents, your vehicle can also be covered from damage caused by from fire, theft, vandalism, adverse weather and other scenarios. Comprehensive insurance can assist you financially in this but only up to the Kelley Blue Book value of the car. If repair costs exceed this value, the car insurance company will declare it totaled and award you the full cash value of your car.

Additional coverage is recommended if you have a larger net worth. Additionally, life insurance can help pay for funeral costs and therefore ensure that your death will not be a financial burden for your family.

Liability insurance covers the damages caused by your vehicle, whether bodily injury or property damage. The amount of coverage varies by policy and by the kind of damages covered. Liability coverage pays for damage that you're responsible for and have caused to other people or their property.

State-run insurance guaranty associations, which are supposed to pay claims for insolvent insurance companies, exist in each state. However, while these associations are an important safety net for insurance consumers, they are by no means perfect. State regulators must explicitly approve the type of insurance policies that insurers offer, and in many states current regulations would not even allow pay by the mile policies.

Accordingly, buy a little more than the minimum required, to give you extra cushion of protection. What price are you willing to pay for piece of mind? According to industry professionals, teen drivers add anywhere from 50 percent to 500 percent to a premium. However, many insurance companies will discount the rate when a child is away at school. According to the Insurance Information Institute, increasing your deductible from $250 to $500 can save you up to 20 percent on comprehensive and collision coverage.

Thank you for taking your time to read this article. Information shared here does not constitute financial, legal, or other professional advice. This article is intended to provide general information only and does not give advice which relates to your individual circumstances.

Gurmit Singh Toor
http://www.gurmitsingh.ca
http://www.gurmitstoor.com

Australia - 7 Things car insurance comparison to think about

There is a wide range of Australia, which is impressive for a country of its size car insurance options. It is easy to be overwhelmed in view of the number of companies offering "the best", "cheap" or better "and cheap" auto insurance, but there are 7 things you should consider before you commit to a particular insurer:

1 What kind of insurance you are looking for?

Mandatory insurance third - known as Greenslip insurance, this is the most basic form of car insurance for an Australian driver and is compulsory for vehicles registered in Australia. While it does not cover damage to the policyholder the insurance car or cars and property of others, cover personal injury victims of accidents.

Insurance - property of third parties pay for any damage to the car or the property of another person.However, does not cover the cost of repairs to your own vehículo.Incendio third-party or theft insurance, a third insurance extension ensures against the loss of your car from theft or fire.

Comprehensive insurance - policy that combines all of the above.As such, if they are damaged yours and the car of someone else for his own negligence, extend your insurance policy to cover repairs to both parties.

2. Purchase policy online?

An insurance company that allows you to apply online for car insurance has a distinctive advantage over one that no. policy insurance online, usually paid for by credit card, are more accessible due to the reduction of rates of procesamiento.También is very convenient for the buyer as it can be done at any time or any day of the week.It is also likely that fewer errors in the request form, since you can take your time to fill it out, and there are fewer or no pressure to complete, in comparison with complete one by phone.

3.?Offer a treatment multi-policy?

Many insurance companies provide insurance for home, travel and health and car insurance.In many cases, the insurance companies can offer a more favourable for customers who buy more than one type of insurance they rate.

4. What is your demographic?

Did you know that the cost of car insurance premiums may vary depending on where you live?Premiums may differ even more based on your address in the same State as well.Car insurance premiums different are mainly until the risk of an insurance company perceives you and your car to be.

Therefore, greater is the risk of encountering an accident or theft, vehicle higher premiums you pagar.Por example, new South Wales, which has a high population density, residents pay higher car insurance premiums of any State.

Age and gender are also parameters that should be considered when comparing coche.Los insurance men youth are perceived to be more than an insurance risk, and this is reflected in its insurance premiums.In addition, a newer car owner more expensive is likely to pay higher, depending on the risk posed such a vehicle to the insurance company insurance premiums.

5.?Have you tried asking for a discount for existing provider?

Sometimes, people compare insurance car when he is thinking of switching to another company seguros.En this case, you have nothing to lose by asking her if you are able to match current insurer, or overcome a cheaper from another company. revising the terms of this car insurance also offer can negotiate better terms for you;You can have discounted premiums for drivers over the age of 25.Tailor your automobile insurance policy to match your personal requirements can make even more affordable.

6. To look beyond the bottom dollar

A cheap insurance quote is very atractiva.Sin however, when comparing quotes of different insurance companies, you must ensure that the policies themselves are also similar to prevent comparing apples and oranges.By examining policies closely, you don't end up paying less, but receive less or insurer, as opposed limited insurance coverage to the payers of insurer of B, a little more for more benefits and security.

One of the first things a person looks at when comparing car insurance is the premium paid.At first glance, a cheaper premium is undoubtedly tentador.Siempre is pleasant to have extra money available., however, is a $200 annual difference really a bargain may if, in the case of a cancellation, the insurance company considers your car amounting to less than expected?

You must ensure that the lower value quoted an insurance for your car company isn't too far the actual value of his coche.Si policy terms are otherwise in your favor, achieved it a "agreed value" policy is your best option to replace your car such will not be a financial burden in the case of a write off and if the company underestimated.

7 How to add a point-by-point comparison of different policies?

There are certainly similarities to compare the basic policies of automobile insurers more consumer importantes.Un needs to look at the cost of the policy and the additional benefits that particular insurer provides and ask about them if they are not obvious from inmediato.Por example, safe car wide can authorize a rental car if your car needs repairs, until you pay a claim, or recovered from your car (if it was stolen) insurance .Diferentes also have different conditions relating to no-reclamación bonus and pay excess.

Different insurance companies offer different rental periods may also vary based on the premium than paga.Además, the time it takes to process a claim can take more time (months) that the period which has the right rental (days). Furthermore, the maximum value secured by elements inside the car which are damaged or stolen may vary between firms.

In case of that car repairs are required, most insurance companies are authorised to carry out repairs necesarias.Sin embargo, some people, can be more convenient to appoint a mechanic of your own or to complete the work more rápidamente.Aparte determine if this option is available to you, be sure to determine who has the cost of transporting the car in the garage and provides roadside assistance.

These are only some of the things you should consider when being between different vendors seguros.Comparar comparison car insurance car insurance policies may not be a task of such when one considers that Australians are paying an excess of more than 3 million dollars in unnecessary comprehensive car insurance coverage.

How to buy standard auto insurance?

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Collector Car Insurance and Classic Car Insurance

If you are fortunate enough to own a classic car - or any collectible automobile - then you want to ensure that your luck does not run out because of having inadequate insurance coverage. Call it covering your butt - or covering your "asset" - but by all means, call one of the major providers such as American Collectors, Haggerty, or Parish Heacock insurance companies and let them put you in the driver's seat in terms of professional protection of your cherished automotive investment.

How to Kick the Tires on Classic Car Insurance

The whole idea of insurance is that it needs to do what you expect of it in an emergency, when the rubber really hits the road. And classic car insurance is as different from conventional auto insurance as, well, a classic car is from your run of the mill generic vehicle.

When you buy a classic car insurance policy, you are essentially purchasing protection for those times when - God forbid and knock on wood it doesn't happen - disaster strikes in the form of a fire, a collision, or an act of theft or vandalism. Just as we now have modern airbags to save us in the event of a crash, we also have collector's car insurance, to protect us with adequate moneybags when calamity throws a wrench in the works.

The time you invest in choosing the right classic car insurance coverage is well worth the value and peace of mind that a quality collector's insurance policy delivers for owners of classic motor cars.

The Nuts and Bolts of Classic Car Insurance Coverage

Collector car insurance is not the same as the insurance you buy for normal coverage of your daily transportation. Collector car insurance, or classic car insurance, is made especially for the needs of the car collector. And while ordinary insurance does offer some protection, no matter what you drive, it can leave you high and dry in the event of a loss that it not effectively covered by the terms of the insurance contract.

For example, you may have a garage-kept Cadillac Sedan DeVille with swooping fins your grandparents bought for $7,000 brand new back in the 1960s. But dealers have offered you three times that much, and you saw another one sell at an auto show for $35,000. If you don't have special collector car insurance or classic car insurance, and the car is totaled, you will be lucky to get $7,000 for it. With depreciation calculated in, the insurance statisticians may decide that it is worth only half that much, or less, and you could wind up with two or three grand in exchange for your dream machine.

Stipulations or requirements normally encountered while shopping for collector car insurance or classic car insurance:

A decent driving record.
At least 10 years driving experience
No teen drivers on the policy or drivers with poor driving records
Secure and out of the weather garage
Proof that you have another car for daily transportation
Collector vehicle insurance is sometimes limited by the age of your car, and if your car is too young it may not qualify for a particular policy.
Limited mileage. You probably don't want to drive your creampuff car all the time, and your insurance company doesn't want you to either. Mileage limits have increased recently, though, so if you can live with 250 miles a month you're probably okay.

Coverage with collector car insurance or classic car insurance: Three kinds of value are important to understand when buying your policy. 1) Actual cash value: This is what you usually get with ordinary insurance, and is based on replacement cost minus depreciation.

2) Stated value:

The insurance company pays up to the stated value of the car, but may not guarantee the full stated value. And deductibles of up to $1,000 usually apply.

3) Agreed value:

In most jurisdictions, those who provide collector car insurance or classic car insurance are allowed to insure for a value that you and your insurer agree upon. And for most autos, there is no deductible. If your $100,000 vintage Rolls get trashed, you get a check for 100 grand, plain and simple - which is exactly why collectors use special classic car insurance coverage.

Do a periodic review of your coverage limits, because classic car prices are rising. What you insured your cherry classic for ten years ago may be a fraction of what it's worth today. And if you are restoring a vehicle, ask your agent to give you appropriate insurance. There is no need to pay extra based on mileage statistics, if your car is up on blocks with no engine inside it. And as the car's value increases thanks to your hard work of restoring it, you should raise the coverage to keep up with the added value of the restoration.

Keep all your receipts and paperwork - for everything from parts and labor to expenses incurred to take it to a classic car show - so that you can document the total investment your collector's car represents. And take photos and keep them updated, for the same reason. And Last But Not Least: Special Savings Opportunities

As long as you meet the criteria in terms of how you use and take care of the car, you can usually buy a policy.

Traditional insurers will either refuse coverage, offer only a replacement value based on the nuts and bolts (minus heavy depreciation) of the car, or will charge you a prohibitive amount for the premium. But many collectors find that special collector's coverage saves them money - as much as half - while insuring them for higher limits, sometime three or four times what a traditional company gave them.

Yes, it's possible to get collector's insurance coverage for full market value for your car, and save up to 50 percent off of the premium you'd pay with ordinary insurance. That makes classic car insurance a must-have for any serious car buff.

Below is information about three of the most reputable and dependable collectors and classic car insurance companies in the USA (All information listed below subject to change, please contact the insurance companies listed to be sure.):

Hagerty Insurance P.O. Box 1303 Traverse City, MI 49685-1303

Email: auto@hagerty.com Toll Free: 800-922-4050

Qualifications:

Similar to the others listed below, but please contact Haggerty for details.
American Collectors Insurance P.O. Box 8343 Cherry Hill, NJ 08002 Email: info@americancollectors.com Toll Free: (800) 360-2277 Qualifications (subject to change or regional laws so check with the company for specific up-to-date information).

At least 15 years old
Garage-kept
Driven on a limited, pleasure-only basis (up to 5,000 annual miles - available in most states)
You may also qualify by:
Having at least 10 years driving experience
Having a good driving record
Having at least one "regular" vehicle for every licensed driver in the household You may request a policy application either directly from American Collectors Insurance or through your local insurance agent (rates are the same either way).

Parish Heacock Classic Car Insurance P.O. Box 24807 Lakeland, FL 33802-4807 Email: info@parishheacock.com Toll free: (800) 678-5173 Qualifications (subject to change or regional laws so check with the company for specific up-to-date information).

Each household member of driving age must have at least 10 years driving experience or be excluded.
Each household member must have a regular use vehicle less than 15 years old that is insured with liability limits equal to or higher than the limits being applied for on the collectible vehicle.
All licensed members of household and any other drivers of the vehicle must be listed on the application.
Maximum of two accidents or violations in the household, maximum of one per licensed household member in past 3 years. No major violations permitted in past 5 years.
A Driver Health Questionnaire must be completed for all drivers over 70 years old.
Auto must be stored in a locked permanent garage facility when not driven.
Auto may not be used for commuting to or from work or school, used for business purposes or as a substitute for another auto.
Autos not covered while on a racetrack or when being used for: racing, speed, driver's education, or timed events.
Must display pride of ownership: well maintained, in restored or well-preserved condition.
Vehicles under restoration must be stored at residence or a restoration shop, with a target date for completion. Agreed value coverage is not available on cars under restoration. Eligibility subject to company review.
Replica Vehicles and Pro Street vehicles are subject to company review.
Trucks and Jeeps must be over 25 years old, and not be used for towing, hauling, off-road or utility use.
Generally do not require appraisals, but may ask for one if vehicle value is difficult to determine.

Michael Modica is an avid musclecar fan. He is the webmaster of the world's leading Second Generation Camaro resouce, http://www.nastyz28.com

Best car insurance rates

The majority of consumers not to bother reading the terms of your insurance policy - just ask around for insurance quotes lower and purchase the offer lower. Ultimately, this is not always the best approach and not always save much money. However, let me assure you, best car insurance rates are achievable. Saving money on car insurance, requires a combination of techniques that improve their insurability, decrease the rate of insurance for their vehicles and provide you with a unique advantage when it comes to buying car insurance.

This article describes seven techniques that will ensure that the lowest possible car insurance rates receive.

# 1 Best choose the insurer

Cost is without doubt one of the factors considered safe car, but the selection of the insurance should shall more heavily weighted in reliability.It could easily call a number of insurance companies, request quotes and simply select the bidder more bajo.Sin however, even if the insurer lowest cost saving you hundreds of dollars a year in premium payments, economies it is not good if you're in an accident, need repairs of car or care with an unreliable insurance company and good responde.Una company is not crucial. Best rates is not only a safe car.

# 2 Customize directive

Before start calling everything, is important to determine what level of insurance that you cover necesita.No all insurance needs are the same.Some families have two or three very expensive vehicles while other families have only older used cars.Some people are members of AAA, while others cannot do son.Los terms specific to a policy should determine its position in life and the value of the items that are insured.

# 3 How be highly sought after

If you have already purchased car insurance, or you are getting ready to start looking, one of the best things you can do to get the lowest rates possible is improving those things that car insurance companies look at when they calculate premium seguro.Hay several things you can do in the short term to improve their insurability of foot, and there are also things you can do to improve the long term.This section describes four main elements of this technique to save money on your car insurance.

# 4 Reduce your car insurance rates

Another extremely efficient to get the lowest rate possible insurance technique is to improve these things on your car car insurance companies measured at maximum when you calculate premium seguro.Hay several things you can do before buying a car that will dramatically reduce your premium seguro.Si already purchased a car, however, and are seeking ways to reduce existing insurance costs, yet there are methods that you can use that they will substantially reduce premium costs.

# 5-Gaming system

All techniques already listed in this article, there are also other ways that you can use industries safe rating rules and the system of calculation of the premium in ways that will reduce their time costos.Una more, use industry standards to obtain best car insurance rates.

# 6 Constantly updating the directive

One of the most important things you can do to keep your insurance premium as minimum is always remember to update your company of any change in your life insurance that can reduce your costs of seguros.Olvidar this can be very costly.

# 7 Decide on liability only

Reaches a point in the life of a car when the decision should be made if it is or is not worth maintaining the collision and insurance coverage.

Get the Rock Bottom insurance rates

If you carefully follow each of the sections described in this guide, are guaranteed to receive the lowest rates possible insurance to any person within its support risk calculado.nadie never should overpay for insurance car - especially given that there are many insurance companies in the industry compete for your business.

Most people overpay for sure pure pereza.Sin car embargo consumers understand the safe operation of car and is clever enough to take advantage of all its lagoons, can save you significantly in its premium long-term.

Before step you foot in another Office insurance, or visit another secure Web site, be sure to print this guide and follow carefully to ensure that you get the best insurance deal posible.Recuerde, best car insurance rates are achievable.

Get the Rock Bottom insurance rates

You can view a more detailed version of this article at best car insurance rates.

Car insurance for woman - free useful guidance

I am sure that your search for women car insurance has come to an end to read this article. Yes, gone are those days when we have to search endlessly car insurance for women or other information such as rental car insurance, auto insurance electric general, Sacramento, Quinn car insurance direct car insurance quote UK car or even safe line UK car insurance. Even without articles like this, with Internet all you have to do is log in and use any of the search engines to find the car insurance for women who need information.

How work car insurance for women?

Looking for safe car is as easy as going online in a search for quotes on insurance rates.Going online will result in obtaining various offerings of many companies, but does not end there.

You should know that there are certain ways assortments are related to search for less coverage of car and many of them are very convenient aplicar.Métodos as buying a car profile low less than driving or shorten your time to movement are not feasible today in everyday life.

Many people today dream cars of high profile, Mercedes, Porsche, BMW, etc. from Ferrari.Aparte, many people have to cover long distance do its job and also rapid evolution is an essential part of today's life.

Do not come to intimidate by reading from situations and you would not assume that cannot get lowest rate policy because you are some tips to help you reduce your insurance quote.

1 Can reduce the chances of theft or damage to your car for parking in the secure area of garage or some paid parking, area because in this situation the company will give you less appointment.

2. If you have good driving record then companies will offer good driver discount.

VENT - As you pause in reading this article, I hope that until now has provided it insightful information related to car insurance for women.Even if not so far, the rest will be, if your interest is for women car insurance directly or another angle related such as crash test, United Kingdom, best car insurance quote insurance group health insurance price on car insurance, searching for cheap car insurance and insurance of car online estimate.

Free related guidance on car insurance for women

3. If you have good credit report equates with rates cobertura.Si lower then you have a questionable credit rating company see you as a customer of higher risk.

4 You can install some safety devices in your car in order to get the lowest rate of insurance.

5. Where you can afford to pay the deductible highest can reduce their rates política.Se trafficking in an amount to be paid when an accident.

6. If you have an old car look to fall things like collision and insurance integral.No can be profitable if the value of your car is low.

7 Ask about discounts and debates.La most companies generally offers various discounts to your customers are looking for and see if you might qualify for them.

As detailed as this article, remember that you can find more information about car insurance for women or any information from anyone out there like MSN.com.Comprometerse search engines to find specific information in it about car insurance for women, and it.

Many people looking for car insurance for women also searched online car insurance for young women, monthly and even a controller cheaper car insurance car insurance young people.

LAST THOUGHTS - Lots of people who read this article agreed that not be only helped in their quest for information of women but also safe in Ireland, life insurance, online car car insurance young on line car insurance car insurance quote, cheap United States other cheap car insurance and car insurance Ireland-related information.

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Car - insurance discounts fact or fiction?

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It seems like a very straightforward concept. Someone buys a new car and purchases an alarm system to protect their brand new vehicle. Their investment enhances the vehicle's security, which also benefits the car's insurer as it less likely to get stolen, resulting in lower car insurance, right? As I found out, in most instances, this is not the case.

To find out if UK motor insurers were providing discounts if car owners fitted aftermarket security products to their vehicles such as alarms, immobilisers, or GPS tracking devices at their own cost, I started by checking a largest comparison website, for quotes on a Vauxhall Corsa and BMW 525. During the application, the site provides hope by stating, "Did you know, a Thatcham approved alarm fitted could reduce your premium by up to 10%?". Thatcham being the industry body responsible for testing and rating security features on new cars and products. We obtained quotes for both cars selecting the different security options and the Corsa's quote actually increased by over 2% when a Thatcham Category 2 and Tracker option were selected, while the BMW's cheapest quotes remained unchanged. This was not a good start.

I continued investigating by asking the country's top car insurance companies and brokers, who between them represent over 50 of the most popular motor insurance brands in the UK, the following:

Do you offer discounts for car security products?
If so, which manufacturer and products are these?
What corresponding discounts can drivers receive?
Are there any limitations or conditions surrounding these discounts?

Overwhelmingly, the answer was 'No' to our first question, which rendered the remaining ones redundant. Furthermore, many insurers stated that not only do they not offer discounts for car security products, if the car isn't already fitted with certain ones, a potential customer can't even obtain a quote.

One underwriter of a leading insurer, who asked not to be named, said they, "do not offer a discount if you have a security device fitted. However, in order to be eligible for a fully comprehensive policy depending on where the customer lives, where their car is parked and type of vehicle, a level of security would be required."

I was able to find a handful of insurers who confirmed they offered product related discounts, however, they wouldn't disclose any details stating the reductions could be removed at anytime. As another underwriter, who chose not to be named, explained, "we currently offer some discounts for a few security products that are in addition to the standard security on the vehicle. However, we do not wish to promote these discounts at the current time as they are shortly due to be reviewed with a view to reducing or removing them. I am unable to confirm what discounts we offer, on what products or whether we have any restrictions."

Norwich Union was the only insurer who answered all our questions stating they offered discounts on aftermarket immobilisers of 2-5%, and 5% for tracking systems. If a Tracker is fitted, the subscription must be maintained with the provider and all devices must be fitted by a VSIB approved installer. Unfortunately, Norwich Union's response was the exception, indicating a disappointingly low level of clarity around this issue with no apparent industry standard.

This is surprising, as car crime remains a major issue in the UK, as there were over 1.3M1 vehicle thefts and break-ins last year , with the latter actually increasing by 1% year on year. Furthermore, the financial impact of having a car stolen is significant as it costs the average theft victim over £3,000. This has resulted in UK car owners spending approximately £315M2 annually on aftermarket security products.

The latest British Crime Survey from the Home Office reports that these products are effective as a car can be up to 70% less likely to be stolen if fitted with one. Also, many products are approved by Thatcham, which is jointly owned by the car manufacturers and insurance industry, meaning insurers have effectively approved the products themselves.

A few insurers referred me to the ABI (Association of British Insurers) and said I should check this issue with them. Derek Fawell, ABI Policy Advisor for motor insurance, said that "the ABI is only involved in providing the group insurance rating on new vehicles, which takes into consideration the safety and security of the car as it is delivered from the factory, however, each individual insurer has the power to offer after market discounts as they deem necessary."

So why aren't insurers doing this? A major reason is that the UK motor insurance industry is a hugely competitive market. The ABI reports that it accounts for almost a third of all general insurance in the UK where £10.3 billion in net premiums were written in 2006. In addition, it isn't the most profitable line of insurance, as more than one in six private car drivers make a claim each year, and this equates to £18.7 million paid out in claims every day! This leaves insurers in a cutthroat business needing to maintain their revenue and margins targets while retaining or growing market share, which is a very tricky matter.

Nonetheless, offering discounts for fitting car security products would be a way to differentiate an insurer's offer in a highly saturated industry and attract more customers, help to subsidise some of the product's cost, put more secure vehicles on the road and make the lives of thieves that much more difficult. Furthermore, in the long run, it could increase the insurer's profitability through less claims and write-offs, while more of the cars they insured would have better protection.

I believe car owners should receive discounts on their insurance if they fit additional security products to their vehicle at their own cost, as their investment ultimately benefits the insurer. In the case where reduced premiums are offered, there should be greater transparency on the specific products and the amount of the resulting discount. This would make it easier for car owner's to make an informed decision when looking to protect their vehicles or purchase car insurance.

So the next time you're looking for car insurance or a security product, ask your insurer if they offer discounts for fitting them, and if so, which product and the amount of the resulting discount. It's a straightforward concept that is currently mostly fiction and needs to become fact.

1 Home Office, British Crime Survey 2006/07, in England and Wales

2 Vehicle Security Market Report 2007, Key Note Publications Ltd, Feb 2007

Results

1 . Do you offer discounts for car security products?

Yes = 8%

No = 92%

2. If so, which manufacturer and products are these?

Thatcham approved engine immobilisers and/or alarms
Thatcham CatQ and Cat5 tracking devices
Varies by car manufacturer
Unfortunately these are system generated and not shown as part of the customer's display so we are unable to use these as marketable details

3. What corresponding discounts can drivers receive?

2-5% for immobilisers
5% for tracking systems

4. Are there any limitations or conditions surrounding these discounts?

If a Tracker has been fitted then the subscription must be maintained with the provider
Aftermarket devices must have been fitted by VSIB approved installer

* report included 62 motor insurers (found through Moneysupermarket.com quotes & discussions with insurers)

* 5 offered discounts for aftermarket car security products

* 57 insurers didn't offer discounts

* ABI estimates the total UK car insurance market to be 80 insurers including Lloyd's of London syndicates (each insurer could have multiple brands)

Sample Responses

These were some of the responses we received to our queries listed above:

"Our standard Private Car product doesn't offer discounts for additional security. We have specific security terms for each vehicle, and if the client doesn't have sufficient, we don't quote. We don't mind about the specific system, so long as they are Thatcham approved devices."

"Currently offer some discounts for a few security products that are in addition to the standard security on the vehicle. However we do not wish to promote these discounts at the current time as they are shortly due to be reviewed with a view to reducing or removing them. I am unable to confirm what discounts we offer, on what products or whether we have any restrictions."

"Offer discounts if security devices are fitted but they have taken the decision not to advertise that fact as they may be removed at some stage."

"Unfortunately we do not publish discounts regarding car security products."

"We don't have 'discounts' for security features as such. Security features impact the premium in two ways:

We have underwriting rules which demand that certain security features are present or else we'll decline or load the premium
We use the ABI defined groupings of vehicles to car groups to rate. In allocating vehicles to rating groups the ABI take into account factory built security features."

Kelvin Mangaroo is the editor for, www.CarSecurityUK.com [http://www.CarSecurityUK.com], the UK's main source for everything related to car security in the UK. Car owner's can find timely, useful content including buyer's guides, top security tips, a jargon buster, product and company reviews, ratings and a local supplier search, plus much more.

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