Sunday, December 17th, 2017

Minimising Costs

Published on September 12, 2013 by   ·   No Comments
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van insuranceAny type of insurance, whether it be for a large commercial van or a small van that looks much like a car, the premium is going to be a huge chunk of your budget. However, like many necessities in our daily lives, vehicle coverage is one thing that you should not live without.

An accident could occur at any moment and they usually happen when you least expect, such as on a sunny day. As long as you are prepared and insured, the process will be much smoother. Especially if you have a respectable company on your side. The following information will help in your search for a long term car insurance and van insurance policy.

Minimising Costs

Time is money, and money is precious. Therefore, you need to find an affordable policy, but a it needs to be a cover that you will benefit from later down the road and not just for the first few months. Keep in mind that many insurance companies will quote a “trial price”. Meaning that the price will change after the first few months. Stay clear of teaser deals such as this.

Read the following to maintain an affordable policy:

1. Buy only what you need. However, this does not mean that you need to buy the most basic car and van insurance online. It simply means that you do not need all of the special additives that many companies try to get your to purchase, such as cosmetic coverage. Read the fine print for each option.

2. Choose a higher deductible and then place the money in a high interest bank account. This will keep the money on your side without the insurance company penalizing you for it. If you go the entire period without an accident, then you will be able to keep the money and then use it towards the next insurance period.

3. Make sure to follow the rules of your policy. Do not let drivers use your van who are not covered on the policy. This will only cost you more money in the end if they were to have an accident.

4. Avoid adding drivers to the policy with poor driving histories. Their poor standing record will cause the premium to rise and more than likely, they will have another accident in the near future. The insurance company sees these drivers as a threat so they try to cover their side in case an event were to occur.

5. Do not settle for the basic quote that you are given the first time. Many people are too scared to push their insurance company too far since vehicle coverage is such a serious thing. However, if you push your agent enough to find every deduction, discount and bargain that they can, then you will benefit greatly. Your agent can not raise your premium without good reasons so do not be worried about bothering too much.

6. Use one insurance company for every coverage needed. Most companies will give their clients a discount if they have multiple types of coverage such as pet, travellers, and car and van insurance online policies. They want your business, and more than likely, they will offer you a deal.

7. Avoid adding expensive coverage to older vans or cars. Use this method as a way of determining if the vehicle is too old for the special premium: a vehicle that is worth less than ten times the six-month premium are not worth the extra cash.

8. Inquire about higher deductible discounts. If you are willing to take on a more pricey deductible, then they are usually willing to give you an excellent rate. To protect your budget from an unexpected accident, keep the fund in a high interest savings account for a rainy day.
Finding An Insurance Company

When it comes to car and van insurance online, it is important that you find a company that will work with you and protect you at the same time. More than likely, you are looking for a coverage that is affordable as well. When comparing different providers, examine their reputation.

Conduct some research about the company before making a final decision. You can tell a lot about a company by the customer service that they offer. Contact the company and speak to a representative. Evaluate how well they take the time to answer your questions and how they respond to difficult questions.

Accidents can happen day or night. Therefore, you need an car and van insurance company that will be available for you at all times of the day, not just during business hours. Many car and van insurance online companies will provide breakdown assistance or other roadside benefits.

For example, if you are having engine trouble, they will provide transportation and towing options. If you are in an accident, and your policy permits it, then you may be given a temporary car to drive until you can receive another one.

For Cheaper Cover Do Your Research

When researching the company, see if they offer competitive rates. This is the best way to compare one insurance policy against another one. Using this type of research option, you will be able to find the most affordable car and van insurance online. Just stay away from companies that offer a low price for the first few months. It will only set you back once the price changes.

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Former mechanic, delivery driver, builder and now aspiring writer and van insurance bod who gets to 'supervise' photoshoots for VanInsuranceStrip - it's a tough job but somebody has to do it! Find out more about me on

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