Here’s How We Save a Ton of Money on Car Insurance
The single most critical factor in getting
a cheaper car insurance rate is shopping around for as many
quotes as you can. Why? Because different insurance companies
charge different rates for the same coverage. In addition,
insurance companies' competitiveness differs tremendously by
customer location.
You need to compare rates. Only by
obtaining several quotes, that are specific to your situation
and location, you will be really able to discover the cheapest
rate that is available to you. Now, usually shopping around for
quotes can be a tedious and time consuming task, but we will
make it here much easier for you. Right now there is probably a
company that offers a better rate than what you are currently
paying. But how can you find it?
Here is our little trick. To discover the cheapest car insurance rate that is available to us, we use this free service: (toll-free) at (855) 981-7528. They perform the tedious task of shopping around, and present you with the cheapest auto insurance provider for your location. We call this service every year before our car insurance expires. It allows us to discover whether there is a cheaper car insurance rate than ours, and has saved us lots of money over the years.
Alternavely, use this other free service to get several quotes from the providers in your local area that offer the best rates. Simply enter in your zip code and compare rates to find the cheapest one.
Here’s the free service we use to discover the cheapest car insurance rate that is available to us: (toll-free) at (855) 981-7528.
Car Insurance for New Car How Many Years
Are you paying too much for your car
insurance? If You Think you are paying too much for your
present auto insurance coverage then
the following
suggestions may help you save money:
1. Shop about
Sure, you've read this suggestion anyplace but it's
true. Solely by shopping around for auto insurance policy
and receiving quotes
on premiums from many insurance
firms are you going to be able to know for certain you are
getting your vehicle insurance coverage
at the best
available rate.
When shopping for your car insurance
policy, remember to compare greater than insurance rates.
Ask about how insurance claims are
accepted and
processed, and how quickly they are paid. Look into every
insurers' financial stability (there are independent rating
services which can help you with this.) Bear in mind, during
times of anxiety like following an accident you'll be
dealing with
the insurance company and you will want to
be certain you're going to be helped when you want it most.
2. Select a high insurance deductible
If you file
a claim, a deductible is the amount you pay first before
your insurance plan pays the remaining balance. Often people
select lower deductibles, so when they must submit a claim,
their out-of-pocket expenses are minimal. However, the
reality is, the
greater your collision and comprehensive
deductibles that the lower your auto insurance premium. The
savings by raising your
deductible to say $1,000 from
$250 are significant--you can save hundreds of dollars off
your insurance premium.
Of course, the flipside is
that if you should have to submit an insurance claim you are
responsible for paying the deductible. So
select the
maximum allowable you can afford to pay--the higher the
greater because the difference in your car insurance
premiums
will mean more money in your pocket.
3.
Eliminate or decrease coverage on older vehicles
If your
car is getting up there in age, you might choose to consider
dropping the collision or comprehensive coverage (or both)
in
your policy. You need to think about this one though -
it's not always a straightforward decision. You have to
weigh the cost of
the two coverages with the worth of
your car and your chosen deductibles. By way of example, if
you had a 10-year-old automobile
that is worth about
$1000, and your deductible was $1000, the coverage isn't
actually going to assist you.
4. Ask about discounts
Most insurance businesses offer discounts. While the access
to discounts will vary based upon your insurer, in which you
live and
whether you fulfill eligibility, make sure to
ask if there are any discounts you may take advantage of.
Listed below is a listing
of some of the more common
discounts (if available in your state, each insurance
company will have different eligibility
requirements):
• Multi-vehicle discount - accessible if you cover
multiple vehicles with the same insurer
• Multi-line
discount - accessible if you insure your house and auto with
the exact same insurance
• Good driver discount - if you
have not had an accident or ticket in quite a while
•
Great student discount - if you're a student with good
grades, usually about a B average
• Safe driver
reduction - if you've taken and passed an accredited driver
safety course
• Anti-theft discount - if your vehicle
has certain anti-theft apparatus installed
• Safe
vehicle discount - if your vehicle has certain extra safety
attributes
• Retiree reduction - if you've reached a
certain age, typically 50 or 55
• Low mileage discount -
if your motor vehicle is not driven frequently
•
Occupational discount - if you work in a certain field or
hold a specific degree
• Auto club discount - if you're
a member of an automobile club, such as AAA
•
Association discount - if you belong to certain
institutions, such as your alma mater
• Away-at-school
reduction -- in case your child is attending college outside
of town
5. Choose a car that costs less to cover
If you're getting a new vehicle and have narrowed it down to
two or three options, compare the auto insurance rates of
each to see
if there's a remarkable difference in the
price to insure. Remember, insurance prices are somewhat
more for vehicles with higher
theft rates and repair
expenses. If there is a substantial difference in price to
insure your first choice vehicle, you may need
to
reconsider.
6. Drive
OK, this one is obvious but
true. Driver's with no accidents, tickets or insurance
claims almost always pay for their auto
insurance
coverage. Your driving record is a powerful factor in
determining your insurance rate. Tickets and at-fault
accidents
affect your insurance prices for several years.
Having a less than perfect driving record, you can end up
paying a lot of
additional insurance premium through
recent years.
What if I could save 10-20percent
of your annual automobile insurance which can literally be
hundreds of bucks? Not many folks
shop auto insurance
businesses, yet we price store in grocery and department
stores daily.
It is not so difficult. Do a little
study (5 -- 10 minutes) about the type policy you've got and
I'll help take you ahead. I have
no real secret here for
some of you; BUT, make yourself do the following:
1.
Get online and on the telephone and get at least 7-10 quotes
on auto insurance. The more estimates the better. You'll be
astounded at the discrepancies in pricing. That alone will
probably result in major savings for you. Ensure that each
provider is
providing quotes about the same coverage.
2. Make sure the auto insurance businesses know you are
getting quotes from others. It might help you get a much
greater rate.
3. Use the highest auto insurance
deductible YOU are able to afford. To put it differently, if
something happens to your car, just
how much would you be
in a position to pay out of pocket BEFORE your insurance
cash kicks in?
4. Eliminating full coverage on an
elderly, paid off automobile may or may not be the ideal
plan for you. If the car isn't worth
much, it's generally
better to lower your coverage. Analyze the cost of full
coverage and determine if you would like to eliminate
that part of the insurance. How can you analyze? Ask your
current agent and one or two of those ones you're getting
quotes from.
That's it! It's only that fast and simple!
START RIGHT NOW!!!
Look for automobile insurance
companies via Google and utilize your community yellow
pages. Do it. Don't delay. And start enjoy
the savings
right now!
Allow me to know via comments how much you
saved. Good luck.
Car Insurance for New Car How Many Years
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