YOU SHOULD KNOW ABOUT CAR INSURANCE
Insurance can be quite expensive. You have to pay for your insurance
each year. Then if you have an accident, you usually have to pay
some money! This is because most polices have an excess.
this means that you must pay the first part of the repair bill.
For example, if the cost of repair is $1000 and you have a $400
excess, you must pay the first $400, the insurance company will
pay the rest.
Usually the younger you are, the more insurance costs and the higher
the excess. Insurance is most expensive for male drivers who are
under 21. It is least expensive for experienced drivers who are
are 5 or 6 different categories of rating. If you have never had
insurance before, you will start on Rating 5 or 6. The insurance
company will look at whether you are an experienced driver, how
old you are and whether you are male or female. If you are an inexperienced
male who is under 21, you will be on Rating 5 or 6 and your insurance
will be the most expensive. If you are a 30 year old female who
has never had insurance, you will also start on Rating 5 or 6, but
you won't pay as much as an under 21 male.
If you are with
the insurance company for 12 months and you don't have an accident
or don't make a claim, you will go up to Rating 4 or 5. Your insurance
will be cheaper. Each year that you don't claim, you move up to
a higher category and your insurance gets cheaper. If you do make
a claim, you usually drop back a rating. When you reach Rating 1,
the cost of your insurance will be much less. If you have been on
a Rating 1 for a few years, the insurance company may give you a
Rating 1 for Life. That means that even if you have an accident,
you will remain on Rating 1.
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