Your Car Insurance Policy Can Be Found Cheaper Online

Your Car Insurance Policy Can Be Found Cheaper Online

When you need to renew your car insurance policy you would be wise to shop around and get several quotes before deciding on a policy. However this is time consuming and a much quicker way is to allow a broker to scour the market place on your behalf. They will find you the best deal possible on a motor policy.

It is essential that you take the time to read through any terms and conditions of car insurance policy before you purchase as this is where you can find additional costs. It will also tell you what the policy covers and does not cover. Again this can vary with one company offering additional benefits for free where another company will charge a fee.

Of course there are many ways that you can make savings when it comes to your car insurance policy. The type of insurance you choose to take will depend how much you will be charged. There are three levels of insurance, these are fully comprehensive, third party and third party fire and theft. Fully comprehensive must be taken if your car is valued over a certain amount; fully comp is the most comprehensive type of cover and is also the dearest. Third party fire and theft falls in the middle and is usually more suited to a second hand car or a younger driver.

Third party only is a very basic insurance policy that covers any third party liability caused by you having an accident nothing else, so offers very little protection for your vehicle.

When looking for the cheapest car insurance policy there are many ways you can attract a discount on your premiums. For instance you can install security features. By installing alarms, etching your car windows, putting in a tracking system or fitting an immobilizer you can reduce the cost of your car insurance.

The amount you are asked to pay for your car insurance will also depend on such factors as your age, your gender and the amount of no claims bonus NCB or NCD- no claims discount) you have. The more no claims bonus, then the cheaper your insurance will be.

However new drivers will have not yet built up no claims but can take advanced driving lessons and the added safety these give goes a long way to reducing insurance costs. There are specific insurance companies that will offer cheaper insurance to younger drivers and women motorists - a broker will take this into account when looking for cheaper cover.

While the car insurance broker will be able to find you the cheapest car insurance policy in the end the individual should make sure the policy is suitable. You should go over the policies small print with a fine tooth comb to ensure that everything is included in the policy that you need. Signing up for cover without having read this could mean that an essential part of the cover is missed out. For example just because one policy includes basic breakdown assistance it does not mean they all do. A specialist’s website will hold valuable information on all aspects of car insurance. Sometimes you can also find such things as lists which include the top ten cheapest cars to insure and the dearest.

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Question by *Protecting-Those-In-Need*: What do you think of these, and why. Please try to explain the answer to me.?
1. Lisa is a single working mother with one child. The following is a breakdown of her expenses for this month:

rent 0
electricity
natural gas
home phone
satellite TV 0
car payment (daily use) 0
motorcycle payment (recreational use) 0
cell phone: (including overages) 0
credit card payments 0
child care (so she can work) 0
baby-sitting (so she can go clubbing or biking on weekends) 0
groceries 0
restaurants 0
clubbing (cover charges, drinks, etc.) 0

Assuming these are Lisa’s only expenditures, calculate her total expenses for the month. (1 point)
50
00
0
00
2. Assuming these are Lisa’s only expenditures, calculate her discretionary expenditures for the month. (1 point)
50
0
00
0
3. Assuming these are Lisa’s only expenditures, calculate her monthly fixed expenses. (1 point)
00
50
00
00
4. Which of the following may be a discretionary expense that is not included on Lisa’s list? (1 point)
gasoline (to and from work)
gasoline (weekend motorcycle trips)
comprehensive car insurance
medical insurance
5. The following is a breakdown of Lisa’s income for the month:

gross salary 00
net salary 00
possible bonus from work 0
child support 0

What is Lisa’s current monthly income? (1 point)
00
00
00
00
6. Based on Lisa’s monthly income and the expense report given above, we can say that Lisa is living (1 point)
within her means
in the red
in poverty
with a surplus
7. Which of the following is a realistic strategy that would help Lisa to balance her budget? (1 point)
Pay the minimum balance on her credit cards instead of the monthly interest.
Negotiate a lower rent payment with her landlord.
Switch from satellite TV to basic cable (which is cheaper), or local television via antenna (which is free).
Buy fewer groceries and eat out more instead.
8. Based on her current spending habits and income, which of the following is true of Lisa’s financial situation? (1 point)
in an average month, she has only about 0 to put into savings
in an average month, she has only about to put into savings
in an average month, she has no money to put into savings, and is going deeper into debt each month
in an average month, she has no money to put into savings, but she at least breaks even
9. Lisa is considering replacing her living room set with a new one. The furniture store is offering a zero down, zero interest financing plan. Which of the following is likely true? (1 point)
if she makes the purchase, this would be considered “discretionary spending”
if she makes the purchase, she will not have to make a down payment or pay interest as long as she makes all of her payments on time
if she makes the purchase but fails to make even a single payment on time, the furniture store will likely require her to pay interest for the entire length of the loan
all of the above
10. “Living within your means” means: (1 point)
spending only as much money as you earn every month
having a comfortable amount of savings left over after fixed expenses and discretionary income
planning fixed and discretionary income based on your current income plus potential income, such as a bonus or inheritance, that you expect to receive soon
all of the above

Best answer:

Answer by zinnprojectbig
1. Lisa is a single working mother with one child. The following is a breakdown of her expenses for this month:

Assuming these are Lisa’s only expenditures, calculate her total expenses for the month. (1 point)
50
(everything she spends)

2. Assuming these are Lisa’s only expenditures, calculate her discretionary expenditures for the month. (1 point)

0
dbaby-sitting (so she can go clubbing or biking on weekends)
dcell phone: (including overages)
dclubbing (cover charges, drinks, etc.)
dmotorcycle payment (recreational use)
drestaurants
dsatellite TV

3. Assuming these are Lisa’s only expenditures, calculate her monthly fixed expenses. (1 point)
00
fcar payment (daily use)
fchild care (so she can work)
frent
fmotorcycle payment (recreational use)
fhome phone
fsatellite TV
felectricity
fnatural gas

4. Which of the following may be a discretionary expense that is not included on Lisa’s list? (1 point)

gasoline (weekend motorcycle trips)
This transportation is not work- or child-related. She doesn’t have to do it.

5. The following is a breakdown of Lisa’s income for the month:

gross salary 00
net salary 00
possible bonus from work 0
child support 0

What is Lisa’s current monthly income? (1 point)

00
You cannot count on the bonus. Net is what she takes home and can spend. Add the child support to that.

6. Based on Lisa’s monthly income and the expense report given above, we can say that Lisa is living (1 point)
in the red

00 < 50

7. Which of the following is a realistic strategy that would help Lisa to balance her budget? (1 point)

Switch from satellite TV to basic cable (which is cheaper), or local television via antenna (which is free).

This will save 0 per month.

8. Based on her current spending habits and income, which of the following is true of Lisa’s financial situation? (1 point)

in an average month, she has no money to put into savings, and is going deeper into debt each month

9. Lisa is considering replacing her living room set with a new one. The furniture store is offering a zero down, zero interest financing plan. Which of the following is likely true? (1 point)
all of the above

10. “Living within your means” means: (1 point)

* spending only as much money as you earn every month
* having a comfortable amount of savings left over after fixed expenses and discretionary income

I'm not sure which is true according to definitions given in your class. Your means are what you earn. Certainly the first is true. The second is possibly true.

Know better? Leave your own answer in the comments!
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