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New car insurance: Essential features when getting a quote

If you buy a new car, it is important to obtain an insurance cover to ensure that the car gets repaired or replaced in the event of an accident. Insurance companies use certain features to rate your car insurance, therefore it is essential for you to have a guide so that you have an idea of how your premium is calculated.

Security and safety features

Low car insurance
Buying low car insurance is sometimes not the best thing to do when you are buying insurance, rather you must choose a quote that provides you with an adequate cover. In order to get the best car insurance quote, there are some car features that your car must have. Firstly, make sure that the car has got all security and safety features (alarm systems, air bags and immobilisers) installed. Your premium will be lower if you have those security features in your new car. Value of the car
Make sure that the car is properly valued so that you do not under insure or over insure your car. Insurance companies will quote your car based upon the information that you will give them. All extras and accessories must also be disclosed to the insurance company because they are part of the insured car. Some accessories will be included and specified as extensions in your policy .

Make and model

Insurers also require you to provide them with the make and model as well as the VIN number of your new car. Sports cars and luxury cars are expensive to insure, therefore do expect to pay more for the latest models. Sedan shaped inexpensive cars are cheaper to insure. Insurers also look at the use of the car implying that cars used for private purposes are relatively cheaper to insure as compared to cars used for business. Make sure that the insurance company knows about the purpose of your car. Know your cover
Find out about things like roadside and medical assistance in the event of an accident. You should know the type of cover you are getting if you have never insured a car before. If you do not understand insurance terms you should consult an insurance advisor who would advice you on the best cover. Understanding your scope of cover is important when it comes to car insurance.

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