Common car insurance errors to avoid

1. No preparation

Before you rush to the market and ask for some quotes, prepare all the necessary information and write them down on a piece of paper. The information may contain personal information such as age, address with postcode, occupation, car model and year, etc. Some companies will even require credit scores and driving history information. Depending on where you live, please contact your local DMV for the minimum coverage required for each driver. It prevents you from buying the wrong coverage and wasting money. Deductibles also play an important role in determining your premium. High deductibility usually means a low premium fee and vice versa. You must prepare to answer the question before requesting quotes and make a proper comparison between them.

2. Do not compare quotes

Some of your friends probably recommend that you buy insurance from some companies. It may be a good idea as long as your friends have not had any problems with the premium, the claims process, customer service, etc. It is still unwise to choose insurance companies based solely on someone else’s recommendations. The best thing you can do is contact as many companies as you can and ask for quotes from each of them. Most insurance companies now allow you to request a quote online, and the whole process only takes 10 minutes or less. Use the printed version of the quotes to make an accurate and thorough comparison. The total cost of the estimate from company to company is more or less the same, but the small details can make a big difference that differentiates the bad and good insurers, such as discounts, payment method, the use of credit points to determine price, etc.

3. Leave discounts

All insurance companies have discounts for customers. There are many different discounts available including for driver, active military personnel, good student and safe driver. Discounts are provided for those who took defensive driving courses, package other types of insurance and more. The total price reduction with the discounts can be quite a significant saving. Eligibility requirements may vary from company to company, but you can always ask an agent questions. Try to make the necessary requirement to be qualified and save a lot of money.

4. Leave all concerns for captivity

One of the worse car insurance errors to avoid is using a jailbroken agent to decide and recommend what is best for you. Remember that the captive agent works for the insurance company and the agent will probably receive a commission for each sale. This leads the agent to strongly convince potential customers to buy insurance from a certain company that is also the agent’s employer. In most cases, the catcher’s opinion towards the insurer will be biased as the only motivation is to sell instead of the customer’s satisfaction. An independent agent is more reliable because he / she works for you, not any insurance company. The agent’s knowledge of insurance and all related issues can be helpful resources for you to consider everything before making a choice. An independent agent works for the benefit of the customers. Such an agent may cost you money, but you are free to negotiate the price of the services.

5. Payment in installments

In some cases, paying in installments is an easier way to manage your monthly expenses. But the total extra cost is probably too much compared to the paid in full option that the installment is not even worth the gap. There is also an administrative cost to split the payment. Pay if possible to save money. It may sound contrasting, but it really is the cheapest way to pay insurance premiums.

6. Not to choose a reputable carrier

Price is always an important factor when buying insurance. It is not a cheap cost, but you can make sure you put your money in the right place if you choose a reputable insurance company. The prices of insurance cover are competitive in the market and this leads to the insurance companies reducing the premium costs of staying in the competition. The bad thing is that some insurance companies offer very low price just to attract buyers without really emphasizing the quality of the services. To avoid buying from such an insurance company, you may want to take a look at the insurance companies’ ratings of independent researchers online like A.M. Best and J.D Power. They rate insurance companies based on many factors, such as financial strength (it shows a company’s ability to pay the claim, etc.), customer satisfaction (purchasing and claims experience) and more.

7. Does not update personal information

This is one of the common insurance errors to avoid. Your life changes over time. All information used by the insurance company affects the premium. You may also be entitled to certain discounts as the years go by. For example, you get married, have one of your children listed as a driver, you move to a new address, you have a new profession and so on.


Cheap Morso stoves

As Morso stoves become more and more popular in the UK, many are now looking for cheap Morso stoves that they may have installed in their homes almost immediately. While the term “cheap Morso cooker” will mean a different budget for different people, it is interesting to learn that the cheapest Morso oven currently goes for just over £ 800. Therefore, the vast majority of people in the UK, even if the installation costs are taken into account, are likely to have options when looking at wood burning and the market for flange-driven stoves.

Morso squirrel assortment

The Morso Squirrel cooker includes the so-called “cheaper Morso stoves” which include 1410, 1412, 1430, 1435 and 1442 with a variety of other Morso Squirrel stoves currently awaiting DEFRA approval. The Squirrel range has been by far the most popular in the Morso portfolio and the company has recently announced new stoves in this area. As DEFRA approval becomes more and more relevant to people around the UK, the choice of Morso stoves continues to expand.

Morso Dove range

The Morso Dove range currently consists of two stoves in the form of 1631 and 1630, both of which are pure heating products. 1630 is currently available at around £ 1726 with around 1631 at around £ 1829. Although these are slightly more expensive than those in the Squirrel series, they take into account the latest wood and multi-consumption technology with a very superior heating effect.

Morso Panther range

Stoves 2110 and 2145 make up the Morso Panther series, which goes anywhere from just over £ 1500 to just under £ 2000. Like the Morso Dove series, the Morso Panther stoves incorporate the latest clean heating technology and prove to be very popular. The heating power of these models is about 9 kW, which is more than enough to heat the average room in the UK.

Morso Badger range

The range of Morso Badger stoves is somewhat limited with 3112 and 3142 trading anywhere from £ 1152 to £ 1386. The heat production on this specific set extends around 5 kW and is comparable to many in Morso Squirrel. Although not as popular as the Morso Squirrel, there’s no doubt that Badger has made an impression on the UK cookery market.

Morso Owl range

The Morso Owl series includes three different stoves, all of which are DEFRA-approved and basically the same body with different options. The available Morso Owl stoves include 3410, 3420 and 3440 which all incorporate the latest clean heating technology. Prices range from around £ 1600 to over £ 1800 and are well within the budget of many UK consumers.

Morso Viking range

The Morso Viking series is a relatively small portfolio at the moment that only includes the Morso 7110 stove which has an emblem side. As with so many of the newest stoves available today, it also comes with an optional outdoor air kit that allows the consumer to follow current building regulations and also install the stove for best efficiency.

Morso 0-assortment

The Morso 0 range includes DEFRA-approved Morso 04 and Morso 06 and Morso 08 that are not yet DEFRA-approved. The price of the stoves ranges from just over 1,000 pounds for Morso 04 to just under 1600 pounds for Morso 08. The kilowatt production on this specific stove set ranges from 5 kW to over 9 kW with the larger Morso 08.

Additional Morso stoves

While many Morso stoves have a specific brand, there are also others that are standalone such as the 3600 series, 6100 series, insert stoves, 8100 series, 5400 series, S series and 7600 stoves that all offer a variety of different styles, heat output and efficiency.


When you take into account the full range of Morso stoves available, they really meet all the requirements of the vast majority of UK consumers. There are stoves at relatively low prices, stoves that offer relatively low heating power, attractive efficiency ratings and stoves for every room size. The company has also concentrated on DEFRA approval for a range of Morso stoves that are now starting to bear fruit in the UK as the government looks to increase the number of smoke-controlled areas.


Car insurance calculator – what you need

Such a calculator asks a number of questions; each answer will be used as a variable to make quotes and determine the premium fee. The questions can be divided into two main categories including vehicle-related and personal information. Some of the most common questions you see in the car insurance calculator are listed as follows:

1. What is your age or date of birth?

Age plays a role in the overall estimate. The insurance company considers very young and older high-risk drivers. The former group probably lacks experience, and there is a great possibility that young drivers break certain traffic laws, commit violations such as speeding, and so on. The latter group probably has some limitations in terms of vision, hearing and driving skills, which means the chance of getting involved in an accident also increases.

2. What is your profession?

The car insurance calculator uses the driver’s occupations to calculate the accident rate. There are statistics that suggest that certain professions such as doctors, realtors, lawyers, entrepreneurs and salesmen are considered stressful jobs. Insurance companies believe that stressful jobs affect the concentration of driving. Cal insurance calculator can determine higher insurance premium based on this factor.

3. What type of car do you drive?

The car model also affects insurance prices. The car insurance calculator can treat luxury cars as the more expensive assets to insure. In the event of accidents, vandalism or theft, it is likely that a luxury car will cost more to repair compared to its cheaper counterparts. Sports car with high top speed and fast acceleration is also quite risky to insure, so insurance companies usually charge more for such vehicles.

4. How many cars to insure?

The best thing is that the more cars that are in the same insurance, the more discounts you will probably get. The discount is based on package options, so you can be entitled to other discounts if you insure your house, health and life also with the same company.

5. What is your address?

The car insurance calculator uses your address to determine if you live in a particular area where the crime rate is considered high. You have to pay more to protect the car if you live in risky cities.

6. How many violations of your driving record?

Driving records are evidence where DMV lists all previous accidents in which you were involved, traffic violations and all tickets. Insurance companies use the information to determine if you are a low risk or high risk driver.