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Car insurance secrets
Common Car Insurance Secrets:
Learn the secrets to cheaper car insurance

It’s hardly surprising that the car insurance industry wants to keep its car insurance secrets to itself. After all, if we all know the secrets to cheaper car insurance the industry as a whole would lose a lot of money! But, there are secrets to cheaper auto insurance out there that really can save you money AND make sure that you get the right insurance coverage into the bargain.

Understanding the secrets to cheaper car insurance isn’t rocket science to be honest; it’s really just a mix of understanding those car insurance secrets that the industry would rather you didn’t know and making sure that you read the terms and conditions of any policy carefully. Once you understand the secrets to cheaper auto insurance, you can also avoid the pitfalls of car insurance traps.

It doesn’t matter how reputable a car insurer is; at the end of the day, it wants you to buy a policy with it and not claim on it. It isn’t being ‘nasty’—it’s simply commercially driven to bring money in and to try not to let it out again. So, what should you watch out for?

  • Too many features:  a lot of insurance policies will come with more features than you can shake a stick at. They look fantastic on paper as you’ll seem to have insurance coverage for every eventuality. It’s no wonder that so many of us will then just sign on the dotted line!

Want to get a better deal in your quest to find the secrets to cheaper car insurance? Think about the features you actually need and might use and get rid of the rest. No point paying for nothing now, is there?

  • Features that don’t do what they say:  Some features of car insurance policies may look worthwhile, but could actually turn out to be worthless. This is, for example, often the case with the personal possessions feature which technically covers you if your possessions are stolen from your car. Some policies, however, will set a really low limit for this feature (i.e. they won’t pay out very much at all) and then you have to also consider the effect of the deductible payment (i.e. which could turn not very much at all into nothing).  

So, read the terms carefully to see what you get for your money is one of the better secrets to cheaper car insurance.

  • Hidden costs:  In your search for car insurance secrets, don’t assume that the price you pay for your policy is fixed. Some features may incur extra costs; for example, if your policy includes a courtesy car you may have to pay a fee every time you need to claim the service.  

Again, you’ll have to read through the terms and conditions to check for hidden costs.

  • Exclusions:  One of the best kept secrets to cheaper auto insurance is to check the exclusions that come with any policy. Exclusions are reasons that stop an insurer from paying out on a claim. The thing to remember here is that some exclusions are more important than others. For example, some policies will cover against theft of a vehicle, but not against theft by deception which is quite a big deal. But, an exclusion that will not cover electrical faults may not be so important to you.  

So, check the exclusions to make sure that they are acceptable, but use them to get the best deal if you can (i.e. a few exclusions that don’t matter to you could keep your costs down).

If you take the time to understand car insurance secrets, then you will also discover the secrets to cheaper car insurance. In the majority of cases, you will learn all you need to know about the secrets to cheaper auto insurance by understanding how to manipulate car insurance secrets. Just don’t forget to put the secrets to cheaper car insurance and the secrets to cheaper auto insurance to good use to get the right policy at the right price!

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