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Could Talking on your Phone Increase your Car Insurance?

You are probably already aware that talking on your mobile phone whilst you are driving your car is illegal and, if caught, you could be subject to a range of legal action. This means you should never use your phone in the car – but did you know that if you do, it could also have an impact on your ability to get cheap car insurance?

This is because, if you get caught talking on the phone while you are driving, it will show up on your driving record. This will usually take the form of 3 penalty points and a fixed fine, but if your use of the phone led to an accident you could also be prosecuted for dangerous driving, which is much more serious.

When you apply for car insurance, you have to give details about your driving history – including any driving convictions and points on your license. Thi Read full article…

Keep your budget by saving on car insurance

If insurance premiums are breaking the budget, comparing car insurance quotes online before buying them can help reduce costs. Discounts on auto insurance and raising deductibles may also help families and individuals to reduce premiums and save on car insurance.

Why do you need to compare auto insurance quotes online before buying a policy? Comparison websites allow people to find insurance at the best price. Before signing for the cheapest policy, make sure the insurance company provides excellent customer service and superior claims service. Search consumer reviews of insurance companies on forums, blogs and websites. Read full article…