Believe me, the year I didn’t have it because I tried to save some money it ended up costing me dearly. I forgot that I wasn’t the only one driving my car and no-one had put any water in the radiator. So, that was the first time my engine overheated and blew up.

It really, really pays off to look after your car to the very best of your ability. Some amongst us are mechanically minded, others aren’t and we depend on having a good mechanic after using our own “common sense”. I did warn you that learned why I need the best auto warranty insurance available!

But the biggest reason of all for looking after your car is simply this ~

Every time you or a family member gets into your car to go somewhere, the car is responsible for yours and your families lives. It pays handsomely to look after it.

Google makes this so easy and affordable for anyone who is seeking to find a better deal on their insurance coverage or on how to insure anything for the first time. The first thing that any car owner needs to consider is the environment in which the vehicle will be housed. That is, what is your postcode?

Why a Postcode for car insurance?

The postcode or zip code is very important for any insurance company as it will allow them to give you the best car insurance quote for your type of vehicle for the neighbourhood that you live in. When an insurance claim is made, all these claims get entered into a data base. This database is vital for an insurance company’s profitability as it shows them the percentage chance of the likelihood of you ever needing to make a claim for theft or damage.

Some neighbourhoods have a very high crime rate for either theft or damage. There is no point in trying to cheat an insurance company by claiming to live at a different address or saying that your car will be housed in a different area. If you were daft enough to claim for damages or car theft and when the insurance company investigated your claim only to find that you have lied to them, not only will your claim be rejected but you could well end up facing fraud charges.

Insurance companies are not idiots and investigate thoroughly any and all claims made against any insurance policy. They have responsibilities to their shareholders to do so and if they didn’t, they would then be breaching their fiduciary duties.

So if you want to know how to insure your car or to insure anything, the first thing you must do is to be honest. If you have integrity then should you ever need to make an insurance claim, this advice will stand you in good stead.

This can be a very costly mistake for the simple reason that the rain may set-in and your town floods.

Too many people in Australia this year have been caught out as another summer of floods inundates our towns and our properties, including having our cars swamped by flood water.  So does your auto insurance cover you for new or replacement vehicle if your car gets caught and damaged by flood waters?

Most people today insure their homes and other valuables but forget that when a severe flood arrives, their car will also get flooded. Some flood waters have been so strong that cars have drifted off down people’s driveways!

Insure Your Car for Unknown Catastrophes

As climate change is happening more severely and frequently everywhere in the world today, you need to insure your vehicle for every type of catastrophe. Yes, this amount of coverage will cost you extra but no one can be quite sure that one of these extreme events won’t happen to you.

There have been severe land slips in areas previously considered stable, one hundred year floods happening two years in a row; mini-cyclones tearing through towns and countryside that has never experienced extreme winds before.

Use Insurance for what it was designed for

Insurance was designed to cover people and property financially for the unknown events that could dismantle, destroy or destruct property or lives. Insurance is designed to cover people for loss or damage that happen through unknown or unforseen events in our lives and to do this successfully, we all need to be fully aware of exactly what we are buying when we shop around for any type of insurance coverage; but too many people forget to include their vehicles in some of these extreme weather events.

After reading this information I hope it will act as a reminder to you to check your car insurance policy today; even if it’s only so you know that you are fully covered by your auto insurance coverage for extreme events.

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