Thursday, July 29, 2010

6 Tips to Finding Good Quality Cheap Van Insurance

By Charlotte J Wilson

There is a way to find the right cover for your van without the need to pay too much. Following a few simple steps can give you excellent cover at a very affordable price.

1. Use the Internet to search for the greatest policy for your situation without a high price. The prices of cover vary greatly between insurers, so it can make a huge difference when you use some time to compare various rates and companies. If you take the first offer you are given, chances are you will pay much more than you have to for adequate cover.

2. Reduce your premiums by having a safe driving record. People that do not get into accidents have something in common. They pay less for their cover. This is because when insurance companies believe you are not a liability, they will reward you with lower rates. On the other hand, if you give them a reason to think you will be involved in an accident, you will have to pay for it. Use common sense when behind the wheel and avoid those drivers who do not care how much their cover costs.

3. Keep your van secure. Buying the right alarm systems and other things that are needed to keep your van from being broken into is another way to get cheaper rates. Once again, if the insurer thinks they will have a good chance of having to pay out on a claim, they will raise your rates accordingly. Do not give them a reason. Get the needed wheel clamps and always be sure to park your vehicle in a secure and covered garage. Then the insurer will have to give you a better rate and you can smile when you think of all the money you have saved.

4. If you do not have much experience driving and are just starting out, then your cheap van insurance will cost more than it would for older drivers. This is because statistics tell insurers that younger drivers are more prone to accidents. However, if you can go a while without filing a claim, they eventually you can get lower rates on your cover.

5. While you need the right amount of cover, avoid being led down the path to too many extras. Insurers will often try to sell you more than you really need and this can mean a much higher premium. Get the needed cover, but do not buy things you will probably never use.

6. While cheap van insurance is usually third party, it will only cover another person's vehicle and not your own. Third party fire and theft is like third party, but it will also cover you if your van is involved in theft or a fire. There is also comprehensive that offers the most cover, but is also the most expensive. You can also add to it with extras, like breakdown cover and European cover for travelling abroad.

Compare rates, use your best judgement and get only the cover you require to insure that you obtain cheap van insurance.
For further information regarding cheap van insurance visit Swinton one of the UK's leading insurance companies.

Article Source: http://EzineArticles.com/?expert=Charlotte_J_Wilson

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