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It was probably second-hand, a bit dented, maybe it made a funny rattle when you took it around a corner, or maybe it had old burger-sauce stains all over the backseat. But you loved it anyway.
No matter how fond you were about your first wheels, things change. Perhaps you climbed a few rungs on the corporate ladder, or maybe you just discovered a real need for speed.
Choosing the right insurance is always tricky. But here’s a handy guide to help you figure out what kind of insurance should go with the stage of life your car is in right now.
Stage 1 – The first-timer
Your first car can be a source of great personal pride, but it’s important to be realistic about it being a potential source of grief – especially if you’re ever in an accident.
If your car is already starting to fall apart when you reach higher speeds, then you should definitely consider a third-party only insurance policy, especially if the car was a hand-me down.
This will keep your insurance policy cheap as chips, but will ensure that you are covered in the event that you damage someone else’s car or property during an accident.
Stage 2 – The aging beauty
Ag shame, she was probably a real looker back in her day, but none of us escape the ravages of time, and this second-hand skedonk is no different.
She’s been a loyal car to you for many years, but you have to admit that there’s a new car on the streets that has caught your eye, and it won’t be too long before the old dame is retired for good. Still, if someone just came along and took her away from you now, it would break your heart. And your bank balance.
Consider third-party, fire and theft insurance for a car at this stage. You’ll either get a payout or a new car of equal value if she does get stolen, and you’ll also be covered in the event that you accidentally damage someone else’s car or property.
Stage 3 – The trophy ride
Ah, she’s the apple of your eye - your dream car. You’re her first and only owner.
It was love at first sight, and you wouldn’t give her up for anything.
You know every tiny scratch and dent from lovingly washing her every Sunday afternoon, and your friends all know to finish their snacks before climbing in.
That’s why you need to make sure you’ve got full, comprehensive insurance to cover every possibility, and to make sure your baby’s taken care of by an King Price approved repairer in the event of an accident.
This was brought to you by King Price Insurance, if you are looking for comprehensive and cheap car insurance, check out their site and ask for a quote.
