Car Insurance

The Car Insurance Rate Calculation Explained

by Andrew Bowen

Different companies will apply different factors to the way they finally arrive at a price for your Car Insurance. Generally speaking though the concept is the same. This involves collecting various bits of information from you and feeding it through a computer system which adds or takes away money depending on the answers you give. The value put on these answers is decided by the individual Car Insurance company. For example, some Car Insurance companies may believe that having a speeding conviction increases your chance of having an accident in the future - therefore they may add money to your price if you have such a conviction. Similarly, some Car Insurance companies may decide that because you have a lot of No Claims Bonus Years then you are less likely to claim - therefore they may discount your price. All in all there are around 30 different factors that may affect your final premium. Now you can see why you get such a difference in the price of your Car Insurance by going to various companies. Each company will have it's own view of what they believe should be assigned to each answer you give. The Car Insurance quote you get through the http://www.acceptdirect.co.uk website will look at lots of different Car Insurance prices from lots of companies. That way you can get the best possible price for your profile.

Copyright (c) 2004 Accept Direct Limited http://www.acceptdirect.co.uk

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New Car Registrations and Car Insurances

by Andrew Bowen

In September 2001 the Driver and Vehicle Licensing Agency (DVLA) introduced a new number plate registration system that was designed to last for 49 years. The new change was welcomed not only by the car dealers but also by the car insurance industry as the DVLA also decided to issue new car registrations twice a year instead of once a year.

In the past, new registrations were issued on 1st August every year. Inevitably this caused a major headache for insurance companies as so many people required insurance at this time. This once a year rush for insurance was compounded by the summer timing when most people, including insurance company employees, go on holiday. Today, the new registrations are issued in March and September. This eases the workload for insurance companies and allows them to more easily staff up for the increase in calls.

Of course, the old system ran for about 38 years and so there is still a large population of people who require insurance renewal on 1st August. So around July, August and September, Insurance companies are still especially busy and you can generally expect long call centre waits with a lot of direct companies.

Using the internet instead is a much easier and quicker way of getting your new car insurance quote. Accept Direct (http://www.acceptdirect.co.uk) have a very fast online quote system which eliminates call centre waiting times. The Accept Direct website is available 24 hours a day, 365 days a year and will deliver you a competitive quote in minutes.

So next time you need car insurance, whether you're looking for a cheap insurance quote for your brand new car or would like to get a low cost renewal, just go to the Accept Direct website at and save yourself some time and money.

Copyright (c) 2004 Accept Direct Limited http://www.acceptdirect.co.uk

About The Author

Andrew Bowen is the CEO of Accept Direct Limited. Accept Direct offer car insurances to UK customers through their website http://www.acceptdirect.co.uk

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