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.
The modifications on Matthew’s impressive Mazda include: full feed body kit, Bridge port, BorgWarner efr turbo, water methanol injection, Haltec ECU, custom bucket seats, custom stainless exhaust, Billet fuel rails, 1860cc secondary injections, 750cc primary injectors, front mount intercooler, over-sized ally rad, 450lph fuel pump, fuel lab fuel pressure regulator, beaded fuel lines, Exedy stage 2 clutch, short shifter, custom flat boot, Lambo style rear lights and custom headlights.
insure4aday.co.uk insurance policies are underwritten by Tradewise Insurance. The insure4aday website is run by Sky Insurance Services Group Limited who are authorised and regulated by the Financial Conduct Authority - 469048. Sky Insurance is connected for the purposes of the Insurance Companies Regulations 1994 to Universal Insurance Company (Guernsey) Ltd who is authorised and regulated by the Guernsey Financial Services Commission.
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.
The key difference in collision vs. comprehensive coverage is that, to a certain extent, the element of the car driver's control. As we have stated before, collision insurance will typically cover events within a motorist's control, or when another vehicle collides with your car. Comprehensive coverage generally falls under "acts of God or nature," that are typically out of your control when driving. These can include such events as a spooked deer, a heavy hailstorm, or a carjacking.
Comprehensive car insurance covers damages from an "act of God," or events that are not caused by a car driving into something else. An "act of God" can include things like damage from a heavy tree branch falling on your car. Since you have no control over when or why a tree branch would fall on your car, this kind of accident would be covered under your comprehensive policy.