Everybody is required by law to have an auto insurance policy. It isn’t just for your protection, but a good insurance deal can buffer you in times of emergency.

Unfortunately, there are hordes of people out there driving uninsured vehicles. Say, you have a major incident on the highway and you have no insurance, you are likely to attract fines in lawsuit. However, if you are covered and you feel the other party is being unreasonable, there are motoring offence solicitors who help with such situations.

Choosing a good car insurance

The make and model of your vehicle is a big factor when choosing the right deal for your auto insurance. Each vehicle is classified into an insurance group depending on the value of your car, the power and cost of repair. The lower a vehicle’s insurance group, the lesser it will cost to insure.

Whatever car you drive, it is worthy to note all types of cover available. From comprehensive to third party fire and theft, knowing all these details will guide your decisions in choosing the best auto insurance deal.

For example, if you drive a luxury vehicle or a vintage car, the best insurance company for you will be specialist insurers. They are people who understand the risks entailed in your type of car. For vintage insurance quotes, the availability of original car parts will usually be taken into account.

Cars with cosmetic or mechanical reformation, are usually expensive, so avoid them if you want to pay inexpensive insurance premiums.

Car insurers usually charge higher premiums for younger drivers because of their perceived inexperience. However, there are ways to choose great deals for your driving teen or ward . Old drivers, on the other hand, get much cheaper rates.

What to look for in a good policy

Car insurance policies have a number of features- some important, others not so much. Here are some insurance features that you could find useful in your coverage.

• Windscreen cover

This is a must-have policy. It covers your windscreen, meaning it will be repaired or replaced in the event of a damage claim or loss. Please note that windows and sunroofs may not be covered by the policy. And if you use an unaccredited auto mechanic, the insurance company could reduce the amount they will pay if you make a claim.

• Personal belongings

This covers the loss or damage of personal belongings caused by a car accident, theft or fire while they were in your car. For instance, a bag, laptop or iPad. Items like money, credit cards, tickets and so on are not included.

• Loss or stolen keys

The insurer will pay money for theft or loss of items such as car keys, alarm, immobiliser, steering lock, or garage door opener. If these items were taken by a member of your immediate family, you will not be compensated.

• Protected no claims amount

This policy protects your no claims discount and makes sure you don’t lose it after a claim. A good policy will include it as a choice in your policy, permitting a maximum of two claims in a period of three years.

• Car rescue cover

If you are involved in an accident that renders your car immobile, the insurance company will bear the cost of removing your car from the accident scene. The vehicle could be take to the mechanic workshop straightaway. If you have a repairs guaranteed cover, the insurance will pay for the repairs by their approved mechanic.

• Courtesy car

This is the cost of using another car while your car is at the workshop. While it may not be necessary for everyone, people without another driving alternative could benefit from it.

This list is by no means exhaustive, but it covers the main features you must find in a suitable policy.