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Insure your Insured

November 28th, 2014 by admin · No Comments

Drivers can and usually get real value for their money if they venture to the second hand car market. There is an abundance of great deals available for those who want to take the second hand route.

Once you have decided to buy a second hand car, you then need to decide what kind of second hand car you want. There are numerous car categories that make up the second hand market. Overall, cars are often priced as either nearly new, or used.  Visit to compare the prices of nearly new and used cars.

Used cars typically fall into one of two categorises, one to three years old or three years and above. Nearly new cars, are those that are less than a year old, they typically have a very low mileage count and can will be substantially cheaper that the original sticker price. Consumers that purchase nearly new cars will often see good value for money.

Consumers that choose to buy a used car, will not only make savings on the purchase of a car, but should typically secure cheaper car insurance as well. However, this is dependent on several factors, which include the following:

  • Age of the driver

Age is a substantial factor when insuring your car. Statistics identify that younger drivers are more likely to be involved in accidents and make claims than other age groups. Some age groups are statistically more likely to have an accident than others. Car insurance premiums are generally higher for groups of people who are statistically more likely to need to claim from their insurance.

  • Driver’s occupation

What you do on a daily basis can greatly affect the cost of your insurance premiums. Insurance companies may determine that certain jobs carry risk of claims and as a result, your premiums will be increased accordingly.

  • Location of vehicle

The area that you live in could affect your car insurance premium either positively or negatively. If you happen to live in a neighbourhood where statistics show your car is more likely to be broken into or vandalised this can make your car insurance policy more expensive. This is simply because the risk to your car is higher and therefore the likelihood of you making a claim is more of a possibility, resulting in a higher premium.

  • Make and model of the vehicle

The more valuable your car the more repairs and replacement parts will generally cost and in turn this could make your car insurance premium more expensive. Small cars with low fuel consumption are in general the cheapest cars to insure, whereas high performance or modified cars are more expensive to insure properly.

  • How you use your car  (business or personal)

If you use your car on a daily basis i.e. driving to work ,uni or even dropping your children to school, the likelihood is that you will have a higher premium rate, as you’ll be driving during the busier periods when the roads are heavily congested and the chances of being in an accident are drastically increased .

Tags: Automotive

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