==== ==== Find Affordable Auto Insurance. 5 Minutes Could Save You Up To $400! Compare Car Insurance Rates For Free Right Now. http://ebsu.net/SaveOnCarInsurance ==== ====
Direct car insurance is the name given to a situation in which one purchases insurance facility directly from the car insurance firm. That is, there is no middle man or to say an insurance agent involved in between. Now-a-days with the advent of technology the direct auto insurance can be bought online without much of hassles. Direct auto insurance includes compensation for any kind of a physical injury caused in an accident. The costs of car break down are also included in the coverage. A lot of factors are important for the direct car insurance premiums when such policy is sold to any vehicle owner. The residence of the policy taker, his martial status and car model are crucial factors determining the cost of auto insurance premiums to be borne by him. The age group of the driver from under 25, 25 to 40 and more than 60 years also decides the amount of his auto insurance premium. The past claim record of the insured like if he has taken any claim once in two years or no claim also affects the cost of his premiums. Almost all the car insurance companies grant no claim bonus to people that is, discounted insurance rates are offered to such individuals. Although, direct auto insurance is quite exorbitant these days, a vehicle owner can work towards getting the cheap insurance deals. The insurer can be conveyed that you are a smart driver for getting discounts in auto insurance rates by equipping your cars with devices such as spare wheel locks, deadlocks and side protection film for car doors. The low mileage discount offer in direct auto insurance can also be availed if the vehicle driver drives a lesser number of miles in a year. This can be done by refraining from driving during weekends or in the night. Further auto insurance discounts are available for females, senior citizens and owner of multiple cars. The cost of such insurance is also affected by factors like the group rating of a car. If the car is given a lower group rating by the insured, lower will be its premium charges. This low rating is given to cars with low prices and vice-versa. These group ratings are categorized from 1-20. All the group ratings are governed by the guidelines issued by Association of British Insurers (ABI). For example, Skoda Fabia and Skoda Octavia are in the group of 1-4 rating, whereas BMW M series and Porsche 911 are in the 17-20 group rating.
Get the most affordable car insurance deals from autoquotenow.com. It has gathered such ratings from different direct car insurance providers that take some simple factors into consideration while determining a person's car insurance rates.
Article Source: http://EzineArticles.com/?expert=Jessica_Cronin
==== ==== Find Affordable Auto Insurance. 5 Minutes Could Save You Up To $400! Compare Car Insurance Rates For Free Right Now. http://ebsu.net/SaveOnCarInsurance ==== ====