Driving can be an expensive business. With rising fuel costs, the cost of car maintenance, and the overall cost of owning a vehicle, it`s no wonder that many people are looking for ways to reduce their motoring expenses. One way to do this is by opting for independent motor insurance instead of going with one of the big-name insurers. Independent motor insurance providers offer competitive rates and often provide more comprehensive coverage than traditional insurers. Here are four reasons why you should consider an independent motor insurer when shopping around for your next policy.
Flexible Coverage Options
Independent providers often offer customizable plans so that you can tailor your coverage specifically to meet your needs rather than having to settle for a “one size fits all” policy from a major insurer. In the words of the pros from AAMC, this flexibility allows you to adjust your policy coverage as needed, enabling you to save money by cutting the fat from a traditional policy and making sure that you have the exact level of protection that meets your needs. If in doubt, many independent providers also offer free consultations with experienced insurance advisors who can provide guidance and advice.
Lower Premiums
With competition among insurers becoming increasingly fierce, opting for an independent provider could save you money on your premium payments. Independent providers can often match or even beat the rates that traditional insurers are offering—meaning that you can get the level of protection you need for less.
On the other hand, be sure to fully understand what is and isn`t covered in your policy. The lower premiums that independent providers offer often come with more exclusions, so it pays to do some research before committing to a policy.
Local Expertise
Independent motor insurers tend to be smaller companies, meaning that they are often more familiar with the local area and its roads; something that can help them better assesses your risk profile and provide a tailored policy. This local expertise can also mean that you`ll get better customer service and more personalized advice.
Independent providers often specialize in particular types of drivers, such as those with poor driving records or those who fall into specific age groups. This can be beneficial if you have had difficulty finding coverage from major insurers due to your circumstances.
Comprehensive Benefits
Finally, independent insurers offer a range of benefits that you may not find with traditional policies. These can include lower deductibles, roadside assistance, travel insurance, and even discounts on car rentals or repairs—all helping to make your motoring experience even easier and more cost-efficient.
Many independent providers offer loyalty rewards and cash-back schemes, as well as discounts for multiple policies.
When it comes to finding the right coverage for your needs at the best price, an independent motor insurer can be a great option. By weighing up all of your options before committing to a policy, you can ensure that you get the level of protection you need while being able to save money on your premiums.
Do some research, compare prices, and make sure that you are getting the best coverage for the lowest cost. Even if you think you know a good deal when you see one—it pays to shop around.
