Whenever you start thinking about insurance, the first thought tends to be about the risks of different types of traffic accident or the ways in which you might lose the vehicle. You make lists of collisions, vandals writing their names on your bodywork, thieves driving the vehicle away, floods carrying your car off, and so on. Then you get to all those other personal factors like where you live, what your credit score is, and so on. After a while, you wonder how you can hope to find cheaper cover when, so often, whether you make a claim or the amount of the damage has nothing to do with the way you drive. Now add in the fact that you have no control over the cost of gas or of how much the body shop will charge to repair any damage and there’s a temptation to give up. Except that’s a bit negative.
No matter what you may fear, insurance is really all about whether you are going to make a claim. Those who have the best track record, have the lowest premium rates. So don’t give up. If you have a defensive style of driving and avoid all the most obvious situations in which you may get into an accident, the insurer will reward you over time. Then you ask whether there’s any way in which you can speed up time. Continue Reading




