Quinn Auto Insurance Review

Quinn insurance, also known as Quinn-direct, was established in 1996, and in a comparatively short span of time has established itself as one of the fastest growing auto insurance companies in the United Kingdom. It has been able to do this by offering customers insurance policies that are cheaper in many cases than what the market has to offer.

The policies are offered through the internet and on the phone, thus eliminating the middleman and making them less expensive. The internet option also provides potential clients the convenience of being able to research and buy a policy at any time of the day or night. Compare car insurance companies and find the best auto insurance with our FREE comparison tool!

Quinn-direct’s secure web page allows impending clients to enter car, driver, driving record and other related information on the company website safely without the fear of identity theft. This information is then processed to assess the risk and calculate an auto insurance quote for the would-be client.

In order to get the most accurate quote, all information relating to prior driving convictions and accidents has to be provided truthfully. This information is important in calculating the rate of the premium. The more convictions or accidents one has, the greater the risk factor, so the client will have to pay higher premium rates. Falsification of information can lead to a policy being cancelled.

Coverage Provided by Quinn-direct

Quinn offers its customers a large variety of optional covers, in addition to free 24 hour breakdown help. The extra protection provides a peace of mind when one is on the road. Some of their auto insurance options include:

• Windshield coverage
• Legal coverage
• Medical expenses coverage
• Personal accident coverage
• Option to pay monthly
• Cover to replace lost key
• Up to 93 days of cover to travel through Europe
• Coverage for stereo

Ways to Save with Quinn

While it is not possible to change one’s driving record, there are other ways to save on auto owners insurance.

• One of the criteria used by an insurance company to determine the price of a policy is the number of miles a car will be driven. The more one drives, the greater the chances of getting into an accident, thus the risk factor is higher. Most insurance companies base their calculations on an average number of miles they assume the car will be on the road. However, if one plans to use the car sparingly, one should let the company know on average how many miles the car will cover a year, to make sure that one is not paying for the miles they are not driving. There are calculators available online to help one figure how many miles they cover in a year.

• Another good money saving option is to be honest with one’s car valuation. It is a misconception to assume that if one values the car higher, the money received in an event of a claim will be more. Regardless of what one values their car, insurers only pay the current market value. The only purpose valuing a car for more than it is really worth will serve is to push the premium up.

• Increasing the voluntary excess also helps to keep insurance costs down. The more one pays up front when it comes to claiming, the less the premium. However, one needs to be careful here as the savings become nominal after a certain level is
  reached.

• Keeping the car in a secure parking place, like a locked garage, can also help to lower the cost of insurance. More than half of all car thefts take place during the night, so securing it at night reduces the danger of theft and hence, reduces the
  premium.

Comparing the different types of auto insurance online is one of the best possible options. It allows one to compare the prices from a large number of providers quickly and compare the cover carefully at one’s own pace, without the pressure of a hovering agent. Also, processing online applications is less expensive for the insurance company and those benefits are passed on to the customer.

Finally, paying for a policy in one lump sum often reduces costs. This is because there are no monthly interests imposed on the customer which translates into more savings.