With van insurance premiums rising all the time people are looking for ways to reduce their monthly payments. This can seem like a good idea, but there is usually some kind of trade off to reduced prices such as; less coverage, higher excess payments etc.
The cheapest van insurance covers only third party damage. This means that if you hit another vehicle/property that the damage to their vehicle will be covered by your insurance. Pets Lover News. However, your vehicle repair or replacement costs are not covered at all and you will be left out of pocket. If this doesn't sound appealing to you there are other ways to reduce the cost of your van insurance coverage:
# Good driving record - If you have a good record when driving your van (no accidents, speeding tickets etc.) then you might qualify for a safe drivers discount.
# Accept a higher deductible - This is the most popular method of reducing your premiums. Save your cats. However, it will mean you will have to pay an initial amount to repair or replace your van in the event of an accident.
# Lower the value of your coverage - Is your van worth as much to replace as you have it covered for? If you reduce the coverage amount you will most certainly pay less for your insurance. It is still important to make sure that the agreed amount on the policy will cover a new van should the unfortunate happen.
# Switch/compare insurers - There are many insurance companies out there all with different policies and prices. If you take some time to compare the different offerings you can save some serious money.
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Article Source: http://EzineArticles.com/?expert=Linda_M_Ford
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