What if your motor insurance provider told you that you could get up to 25 percent discounted from your next car insurance policy simply by showing them that you were a safe driver? It would sound obvious wont it – after all, basically, isnt that what a no claims bonus is all about? Well, you can guess again, because with the new autograph device getting up to 25 percent discounted on your car insurance policy in the years to come is going to be a very real experience!
What Is The Autograph?
Basically, an autograph is a device that you ask a garage to plug into the diagnostic part of your car (which can be found underneath your steering wheel). The autograph will then record all of your driving skills, including how fast you drive, your average speed, whether or not you need to suddenly break (and, if so, how often), the times of the day that you like to be out and about on the roads, what your average mileage is, what your longest and shortest journeys are. In fact, the list is endless. After a pre-determined period, say three or six months, you then return to garage that installed the autograph and they will uninstall it and replace it with a new one. The old autograph is then plugged into a computer and all the requested recorded data is feed into a computer and sent to your motor insurance provider. Your motor insurance provider can then take a look at all of this recorded data and can decide, more accurately, if you are a high or low risk driver!
Benefits of the Autograph
If you are a good driver, the benefits of agreeing to use an autograph are easy to see after all, recorded data rarely lies! The downside to using an autograph is the fact that it is recording the data collected in the car. This has two effects first, you have to have a car capable of recording this data (i.e., not too old); second, the data collection cannot differentiate between drivers. As such, if you have a car in your house that is driven by several different people, the autograph will not be able to tell who is driving the car at any given time. Consequently, if you have your son or daughter on your car insurance and they tell you they like to drive at 50 miles an hour, while the autograph tells the motor insurance provider they like to drive at 120 miles an hour, its not likely you are going to be getting the 25 percent policy premium discount you were looking for!
All in all though, as with pay per mile car insurance, getting cheap car insurance using an autograph device, although being the way of the future, is here to stay and will most probably benefit far more motor drives than it inhibits.
Tags: Autograph, Average Speed, Break, Car Insurance Policy, Cheap Insurance, Cheap Motor Insurance, Claims Bonus, Computer Insurance, Downside, Insurance, Insurance Provider, Mileage, Peop, Risk Driver, Shortest Journeys, Six Months, Steering Wheel, WheelRelated posts
If you are looking to buy a quality used car then you have plenty of choices of where to look. Your local car dealer will often offer a range of quality used cars which will have all the necessary paperwork up to date and would have been tested. This is perhaps the safest way to buy a used car but often one of the most expensive.
A more popular choice especially for those who know a little about cars, is to purchase from a specialist magazine or free ads paper offering used cars. Another way you can take advantage of buying this way is to use the internet.
Besides the wide variety of free ad papers being available online there are also specialist sites who offer huge ranges of quality used cars. The beauty of these sites is that they all include photos of the cars which can give you a good idea as to whether the car is a really good deal or whether it is in need of a good paint job!
Of course, buying this way can be a little risky as there is always the possibility of the car having been stolen, having been tampered with (such as the mileage having been adjusted) or if you dont know anything about cars, then you could end up with a banger.
The solution would be to get a Vehicle Data Check, which is a low costs service that instantly checks out the history of the car. This will show whether it is stolen, whether there is any outstanding finance on it, whether it has even been involved in an accident etc. This will save you making a costly mistake.
Whichever way you choose to purchase a used car, never rush into anything. Always make sure the car comes with the appropriate documentation and make sure it is 100% genuine before committing yourself.
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