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Monday, 24-Sep-2012 05:21 Email | Share | | Bookmark
Getting The Right Deal On The Right Auto Insurance Package

Finding affordable auto insurances is simply a matter of sticking to the insurance company's rules and following these tips. The range of car insurance criteria that insurance companies use to determine your rates is extensive.

The right kind of insurance will save an individual a great deal of money in the event that an accident occurs. After paying the predetermined deductible, anything above that amount is generally covered by the policy.

Don't forget to figure in the insurance premium you will pay on a new car. Vehicles with higher safety ratings are highly favored by insurance companies, usually leading to cheaper policies. Many sports cars are not favored by insurance companies. Be sure the premiums for your new car fit comfortably into your budget.

You should raise your deductible, so that you can save more money in the end. This strategy carries some risks, but as long as you're willing to set aside money each month to cover the cost of your deductible in case of an accident, it can be an excellent way to cut costs. You can save more on your premium if you pay a higher deductible.

Do not spread your car insurance bill into monthly payments. Car insurance companies can tack on anywhere from $3-$5 on average a monthly bill. Paying annually could save you 60 dollars a year. With everything else you pay, this can become a strain. Generally, the fewer payments you have, the better.

Make sure you have all the paperwork for additions or repairs made to vehicles and give them to your insurance company. Use your cell phone to take pictures right after an accident occurs to record documentation that can be given to your insurance company. Another option is to leave a disposable camera in your glove box so that you have it on hand in case of an accident.

If you want to maintain your low auto insurance premium, you must continue to drive carefully. You will qualify for good driver discounts, if you go without getting a ticket or having an accident for a period of time. These discounts will save you money, and may increase each year you go without having an accident or violation. This will also prevent your premiums from getting too high.

If you are thinking about switching auto insurance companies, do not cancel your first insurance policy until you know for sure that you have another one. You want to make sure that you are insured at all times simply because accidents can always happen. Do not risk going without insurance even for a couple of days.

You may get a discount with some companies if you are over 55 and have taken a refresher course. In some cases, this could mean saving a cool 10% in insurance premiums.

Your auto insurance rates are partially based on the type of area in which you reside, so you may want to keep this in mind if you intend to relocate. Rates change across locations due to factors like local accident rates and theft statistics. Urban areas also usually have higher rates than suburbs and rural locations.

Trade in your sports car for a more moderate vehicle. When you have a sports car, it will cost more to insure. A low-profile automobile is a great choice. Those with high performance engines will be expensive to cover because they are involved in more accidents. Sporty cars are more expensive to insure because they are usually the cars that thieves steal.

The first thing you should do after being involved in a car accident is call the police. The police will interview witnesses, collect relevant information, and instruct you about what you should do next. A report from the police is the best ammunition you can have when you need to make an insurance claim. So, make sure that a call to the police is one of the first calls you make after an accident.

Installing security systems in your car, such as alarms and trackers could help you lower your insurance premiums. Theft prevention on your car will make a big difference in your premium. Alternately, a secure car is far cheaper to insure.

A common misconception is that your car insurance company will give you a reduced rate once you hit the age of 25. Insurance starts going down at around 18, depending on their track record.

Check rates with several auto insurance companies before choosing a policy. You will only get the best rate by shopping around.

Tickets and points on your driving record can significantly increase the cost of your auto insurance. Conversely, the expiration or removal of those items from your record can also lower the rates you pay. Once tickets and points are eradicated from your driving record, you should obtain new car insurance quotes.

As soon as you sell or get rid of a vehicle, make sure that you remove it from your policy as it could be costing you unnecessary amounts of extra money. If you don't, you are paying for insurance that is not required, and that is a waste of money.

You should talk to your insurance agent when you buy costly accessories for your car to ensure that the policy is adequately covering the total value of the vehicle. Investing in expensive rims that cost you $1000 bit only add $30 in value to your vehicle will add up to a big loss if the vehicle is stolen because you won't recover the difference.

They type of vehicle you buy will play a huge role in the price you pay for your insurance policy. If you want a top of the line, luxurious vehicle, your insurance will be higher. Choose a vehicle that's safe and modest to receive the lowest insurance rates.

It is important to know about the car insurance different types of coverage. You should be certain that you have a policy that covers any possible incident. Liability insurance is necessary to cover you in the event you cause injury to someone else or their property. It's also important that you have coverage in the case of an accident involving an uninsured driver, or from damage cause by things like fires.

Reasonably priced auto insurance rates are not the rare occurrence they may seem to be. You really can get good rates if you shop around and inquire into carrier discounts.


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