When it comes to owning and driving a car, insurance is a must. No matter how good your driving skills are, you never know when an accident can occur. You could be driving for many years without an incident, then one day you run into trouble. The unpredictability of the road means you cannot do without car insurance. If you are looking for a new policy or trying to find a better deal, here are some tips that will help.

Insurance Brokers

If you don’t have the time to look around for insurance cover and you’d like help from someone in the know, why not call central coast insurance brokers? An insurance broker is a professional adviser who can save you time and money when choosing car insurance.

Insurance brokers work for you, that’s why they do their utmost to get you the best insurance policy possible. Insurance can be complicated, that’s why working with a broker makes sense. They help you understand different policies and they’ll work out what cover is most suitable for you. They don’t just specialise in car insurance; they can help with all types of insurance.

  • Tradies Insurance
  • Income Protection & Life Insurance
  • Business Insurance
  • Lifestyle Insurance
  • Speciality Insurance

If you want to look for insurance by yourself and you’d prefer not to get help from a professional broker, remember these tips.

Type of Vehicle

If you are driving a small vehicle or family car, it will be easier to find a competitive premium. On the other hand, you may be pulling your hair out looking for insurance for a high-performance car or eco model. Certain types of cars are treated differently by insurance companies, you’ll have to go through many to find the best policy.

Age of the Driver

Age is always going to be a factor when getting car insurance, it greatly affects the premium. If you’ve a 20 something year old son or daughter, now may be the best time to start them of their own policy.

Car Usage

You can get a more affordable policy if you use the car less often than most. Although sometimes it can be difficult to prove this, it is an option worth exploring as some car insurance companies will take this information into consideration.

Home Location

Where you live will have an impact on your insurance policy. If your home is located in a high-risk area – that’s a place they consider has a high crime rate – you’ll pay more for your policy. It all depends on how each insurance company rates your suburb. With this information in mind, make sure you shop around and apply online. You’ll sometimes get discounts with online applications.

There are many things to consider when looking for car insurance. It is a complex process that sometimes gets frustrating and difficult. If you want to avoid all the stress, you should get in touch with an insurance broker who specialises in car insurance. They’ll do all the hard work and find you cover that meets your needs. Most provide on-site visits with a personalised service.

James Noah