Q: How much car insurance do I need?
A: How much car insurance you will need will depend on your personal insurance needs. Car insurance is not a one-size-fits-all type policy. When deciding how much car insurance you need, look at your financial abilities, how much of a premium you can afford and what excess will work best for you. When you purchase your car insurance, your car will be insured for either an agreed value which will be stated in the policy or it will be insured for the market value of the car. It is usually better to insure your car at an agreed value rather than relying on the insurer to determine a market value for your car should you need to file a claim.

Q: How much will car insurance cost me?
A: The cost of your car insurance is affected by a number of factors including what type of policy you select, how much your excess is, your driving history, your age and what type of car you drive. Compare rates.

Q: How can I get a lower insurance premium?
A: You can get a lower insurance premium by choosing a higher excess, keeping a good driving record and keeping younger drivers off of your car insurance policy. You may also be eligible for further discounts such as multi-policy discounts and student discounts.

Q: Do I need comprehensive insurance?
A: Comprehensive insurance is not a mandated requirement, but if you want damage done to your vehicle covered in the case of an at-fault accident, you'd better opt for comprehensive coverage.

Q: Will my premium increase if I get into an accident?
A: Yes, your premium will usually increase if you get into a car accident and file a claim. However, if you have insurance to protect your no-claim bonus you might not see much of a difference in regards to your premium rate.

Q: Does the type of car I drive affect my car insurance premium?
A: Yes, the type of car you drive does affect the premium of your car insurance. For example, expensive sports cars will cost more to insure than a family sedan. Cars that are at a high risk of theft and performance cars are traditionally more expensive to insure. Some car magazines list the weighting index for each type of car and can give you an idea of where your car falls.

Q: Does my age or marital status affect my insurance premium?
A: Yes, both age and marital status can affect your car insurance premium. Younger drivers such as teenagers traditionally cost more to insure than adult drivers. Married drivers are also commonly less expensive to insure than single drivers are.

Q: What excess amount should I choose?
A: The excess amount that you choose should be based on the amount of money you would be able to pay should you need to file a claim. Since your car insurance premium will go down as your excess goes up, you should opt for the excess that is the most money you would be able to afford in the event of a claim.

Q: How long does it usually take to get insured?
A: How long it takes you to become insured will depend on a number of factors. How long you take to decide which insurance company to use is one of the primary considerations. Whether you make your first payment online, via the postal service or in person will also have an effect as to when you become insured.

Q: What happens if I don't disclose past accidents or infringements when I apply for my car insurance?
A: It does not pay to be dishonest when applying for car insurance. A check of your driving history will probably be conducted and the company may choose not to insure you if you've been dishonest on your application. If a history check is not conducted and you do not disclose your driving history accurately when you apply for your car insurance, you are at a risk of not being covered should you need to file a claim on your policy.

Q: What is a no-claim bonus?
A: Traditionally, drivers with good driving records have paid less for car insurance than those who have had to file claims on their policies. The no-claim bonus is the discount given to good drivers who have not had to file a claim. Insurance is also available for a driver's no-claim status. This insurance allows a driver to keep their no claim status in the event they were to need to file a claim for an accident where they were not at fault.

Q: What does Rating 1 mean?
A: Car insurance companies rate drivers on a scale from 1 to 6, with 6 being the highest risk. A Rating 1 means that you have a good driving record and that you probably qualify for a discount off of your car insurance premium.