Know when to cut coverage. Don’t strip away coverage just for the sake of cheaper insurance. You’ll need full coverage car insurance to satisfy the terms of an auto loan, and you’ll want it as long as your car would be a financial burden to replace. But for older cars, you can drop comprehensive and collision coverage, which only pay out up to your car’s current value, minus the deductible.
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Hi Stephen – I think you’re doing the right thing – as long as the premium continues to be reasonable compared to the competition. Even though we obsess on low rates, quality of service matters. It does little good if you get the cheapest policy, then they stick you when you have a claim. With must auto claims there’s going to be a human error factor (especially with new drivers), and you can’t be with companies that will hold that against you to such a degree that it seems like they no longer want your business.
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Let's use the aftermath of a major storm to illustrate the differences between collision and comprehensive. Within that storm, let's consider two hypothetical events: First, a heavy telephone pole was blown down and fell on your truck, or second, you swerved to avoid a falling tree and wound up crashing into a guardrail. In the first event, you couldn't control when or why a tree fell on your car. This kind of accident would get reimbursed under your comprehensive policy. In the second situation, you were driving the car and ultimately swerved into the guardrail. This makes it a collision, and collision insurance pays for the damages.
Your cover will of course depend on which company you go with and what types of vehicle you need to insure, but it is much like an annual policy and will be available for cars, vans and possibly motorhomes. These temporary policies are typically fully comprehensive cover, which means that you are insured for any damage caused to the car you are driving. This also means that if you do have an accident and make a claim, whoever owns the car won’t lose their no claims discount.

What's more, most car modifiers take extremely good care of their cars, which is a big plus with your insurer. Low mileages, top-of-the-line garaging, and more-than-regular maintenance come standard for these hobbyists. Because they've spent thousands to create the car of their dreams, they're not likely to risk losing that investment to reckless driving.

There is a case to be made for getting just comprehensive and not collision insurance, even if your car is not valuable. Comprehensive covers you for a lot more perils than does collision--including, most importantly, against theft. Regardless of the value of your car, having it stolen is a major inconvenience. Even if your car is worth only $2,000 at the time of the theft, and your insurer gives you $1,500, that sum would go a long way in buying yourself a new vehicle. As we discuss in more detail below, comprehensive insurance generally costs no more than $200 per year, so a $1,500 reimbursement would make the coverage valuable.
Hi Eric – What you’ve seen is not an unusual situation. A company that’s good in one state isn’t in another. Liberty Mutual worked for you in California, but not in Florida. This is why it’s not possible to say one company is the best. That will vary by state and by your own personal profile. That’s why we produce these “10 Best” lists, to give you companies to investigate.
We love to cover enthusiasts who are as passionate about the vehicles as we are. A few examples of modified cars can be found on our Facebook page and just show the sort of passion and commitment our customers put into their pride and joy! Whether you have a Japanese Import, Hot Hatch, Sports Car, High Performance Car, etc., we have the insurers happy to cover you. Please call us and speak to a fellow enthusiast for your modified car insurance.
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(ii) You may need to insure an additional driver for a short period, say for a mini-break. Online short term car insurance cover can do this quickly and efficiently for you, rather than going through the process of trying to add the driver to your main annual insurance policy. Our temporary cover is Comprehensive, so you can relax knowing that the driver is properly insured.
Learner Drivers often like to gain some extra practice in a parent’s or friend’s car in addition to taking driving lessons with an DVSA approved instructor – or sometimes have all their lessons with a parent. With the average learning period of several months, it works out more efficient to purchase short term learner drivers insurance as a separate policy. Not only is it cost efficient – it also prevents any accidents affecting the bonus of the main policy held by the car owner. With this type of cover, it is imperative that the car is already insured by the owner and that policy is running for the full period of the temporary learner cover; as this is purely ‘top-up’ cover.
Being in the business for a very long time, I have found that most people are clueless about insurance, even most agents who sell them. I will agree that their rates are cheap. But I wouldn’t recommend them. Inexperienced adjusters. They do not fully investigate. The policy does not cover like, kind, and quality which is bad if you have a new vehicle.
The cheapest car insurance, period, will likely carry the minimum coverage required in your state. In most states, this is liability insurance only, which covers property damage and medical bills for others due to accidents you cause. Some states also require uninsured and underinsured motorist coverage, which pay for your injuries or damage if an at-fault driver doesn’t have enough insurance.
Collision coverage is limited to the actual cash value of the vehicle, and requires a deductible, which is the amount you'll need to pay before receiving benefits. Higher deductibles lower your premium but increase the amount you must pay out of your own pocket if a loss occurs. Ask yourself how much you would be willing to pay on short notice in order to save on your premium, or talk to your agent.
Confused.com's temporary cover solution is provided by Safely Insured who are a trading style of Sky Insurance Services Group Limited. Sky Insurance Services Group Limited are authorised and regulated by the Financial Conduct Authority under firm reference number 469048. Sky Insurance Services Group Limited is registered in England No. 05970797 at office: 167 Turners Hill, Cheshunt, Herts, EN8 9BH. Confused.com is an intermediary and receives commission from Safely Insured which is a flat rate fee.
Financial experts often say it’s smart to drop collision when you drive an old car, then put your car insurance savings in a fund earmarked for emergency repairs or buying a new car. However, when you’re trying to decide when to drop collision coverage, the answer really comes down to your personal finances. “If you’re not absolutely sure that you could deal with paying for repairs or completely replacing your vehicle at a moment’s notice, or else going without a vehicle until you could save for a replacement, it’s best to err on the side of caution and pay the extra premium for collision coverage,” The Simple Dollar advises.
Modifications: Litchfield Stage 4.25 Upgrade: Dyno’d at 695bhp / 626lbft, 1,100cc Fuel Injectors, Large Bore performance Forge intake kit with larger MAF housing, ECUtec ECU, Litchfield 102mm Full Exhaust System, Litchfield Race Intercooler, Litchfield Blow off valves, Litchfield Throttle Bodies, Litchfield Downpipes, Forge Header Tank, Alcon Super Brake Kit, Pagid PS29 Brake Pads, Airlift Performance Suspension, Eibach Anti Roll Ba, AG Carbon Fibre 421 wheels with Neochrome Hardware 20/10 Front 20/12 Rear, JCR Carbon Fibre Shift Paddles, custom carbon fibre interior trim, Recaro Seat Sliders, Expel Matte PPF over real carbon fibre bodywork with Dark Grey Vinyl Rear Quarter, many carbon fibre parts, Tommy Kiara LED Rear GTR Emblem, window Tints, Litchfield Stainless Steel Under Tray Bolts, Audison Voce 5.1K Amp, Audison Voce Speakers all round, Custom Carbon 5-Gallon Tank for Air Suspension, Accuair eLevel Management, and many, many more!
Collision insurance is a coverage that helps pay to repair or replace your car if it's damaged in an accident with another vehicle or object, such as a fence or a tree. If you're leasing or financing your car, collision coverage is typically required by the lender. If your car is paid off, collision is an optional coverage on your car insurance policy.
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