Comparing car insurance is of course important to get both a good price and good conditions. Here we have listed a few things to consider when making your comparison.
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Things to consider when comparing car insurance
For us, who spend a lot of time in our motorhome and on the road, insurance issues are important. You never know when an accident will happen, so it's important to have good insurance. At the same time, you don't want to pay too much. Therefore, it can be wise to compare different car insurance policies before making your choice. Here are some things to consider.
1. You can save money by pooling your insurance policies.
If you have several (or all) policies with the same insurance company, you can often get a better price. For example, you can combine home, car, motorhome and other insurance policies in one place.
2. The price of car insurance is affected by various factors
The price of car insurance depends on several factors such as the age and model of the car, the owner's age and place of residence, how far the car is driven and what is covered. In addition, you may have to search among different insurance companies to find a good and affordable car insurance policy. cheap car insurance.
3. The owner's age and experience can affect the price of the insurance policy.
The owner's age and driving experience can affect the price of car insurance. Usually younger drivers and drivers with less experience can expect a higher price. I (Helena) remember that the salesperson at an insurance company was a bit confused one time when I wanted to insure a car I owned, even though I didn't have a driving licence... What would he think? There was silence on the phone for a while, but at least I got an insurance policy.
4. Some cars are more expensive to insure
It is not only the characteristics of the driver that affect the price of insurance, but also the characteristics of the car. Some makes of car may be more expensive to insure, for example because they are considered theft-prone or expensive to repair.
5. You can choose half or full insurance.
Under Swedish law, all cars that are driven must have motor insurance. In addition to this, you can opt for partial or full insurance. Half insurance usually covers things like theft, fire, mechanical damage, all risks, rescue and legal protection. Full insurance usually also includes vehicle damage insurance, which pays for damage to the car in the event of a road accident or vandalism, for example.
6. Assistance insurance may also be needed
Even if you take out comprehensive insurance, you can check whether you also want to take out supplementary insurance in the form of assistance insurance. However, it is possible that some of what is included in the assistance insurance is already included in the full or half insurance, and therefore it is wise to check what is double, and what you actually get extra, before adding the assistance insurance. Extra items that may be included include tyre replacement in the event of a puncture, rescue excess and reimbursement for car hire for a few days.
7. You can park your car/motorhome and pay a lower insurance premium.
You can normally choose whether you want your car or motorhome to be parked or unparked, and when it is unparked you pay a lower insurance premium. While the vehicle is parked, you have what is known as 'garage insurance' which usually covers fire, theft and vandalism. Exactly how the different types of insurance apply, and the costs involved, will of course vary from one insurance company to another.
8. Some motorhome insurance companies have switched to "annual insurance".
You may wish to know that some individual motorhome insurance companies have switched to 'annual insurance', which means that you pay the same premium all year round, regardless of whether the motorhome is used or parked in a garage for several months at a time.
9. Keep track of the deductible
The excess is the part of a repair that you have to pay yourself. This can also vary, so it is good to check it when comparing insurance policies.
10. You can compare car insurance policies online
All reputable insurance companies have a website where you can read about their policies. This means you can look at different companies and compare conditions and prices at your leisure. Of course, it is important to compare apples with apples and not apples with pears. In other words, you have to make sure it's the same type of insurance, with similar conditions, before comparing prices.
How do you compare car insurance?
How do you compare car insurance or motorhome insurance? Do you have any tips? Let us know!
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