There are a lot of things that can affect how much you pay for car insurance. One thing you might not have thought about is how dirty your car is. But new research has shown that more than 24 million people drive around with trash on their cars, which could be dangerous and cause an accident that leads to an insurance claim.
Car cleaning used to be something most people did on Sunday mornings, but now a shocking 1 million people say they have never cleaned their car. However, insurers aren't worried about how the car looks. 55 percent of car drivers also said they didn't check their windshield to make sure they could see clearly through it before hitting the road, which is obviously a recipe for an accident. 81 percent said they don't bother to check their headlights, and 63 percent said they don't even think about being able to see through their side mirrors. All of these things could cause an accident on the road, so insurance companies are right to be worried.
Women drivers have been favoured when it comes to getting cheaper car insurance, but when it came to checking, they were the worst offenders. About 14% of women, but only 11% of men, said they never do any checks like these. When it comes to safety, it's not just the outside of the car that can be a problem. If the inside is too cluttered, it can also be dangerous if you get into an accident or even cause one. Any loose object in the car could get stuck under the brake pedal and make it impossible to use the brakes. This could cause a serious accident.
Even though how dirty your car is will show how much of a risk you are, there are many other things that will affect how much you have to pay for your insurance. A specialist broker is the easiest way to get access to the cheapest quotes online. A specialist in car insurance will look around on your behalf, using the information you give, to find the best deals and the cheapest premiums for your situation. They will also tell you the most important facts about the coverage.
If you are thinking about buying a policy, you must read the key facts because that is where the fine print is. This will tell you things like how much your deductible is, how much the insurance will cost in total, and if there are any hidden fees or exclusions that could stop you from making a claim. You shouldn't always choose the cheapest car insurance quote because you need to make sure you have the coverage you need for your situation. If you buy cheap insurance that doesn't cover breakdowns and then add breakdown coverage to it, it could cost you more than if you had bought a more expensive policy that included breakdown coverage from the start.
