Get The Lowest Price On Your Car Insurance
Buying the first car is a very exciting ritual for almost all of us as long as it
does not include the cumbersome business of purchasing auto insurance or extra warranties. As new car owners we would find the cost of insurance annoyingly high.However, purchasing an auto insurance with the lowest possible premium is not as difficult as it appears. Many car insurance companies actually compete to woo us with offers of discounts and you can take advantage of all these offers when you buy your car and pay the lowest possible premiums.
Before you have made a decision on a car, research thoroughly to compare the prices of different cars. Once you have identified the most likely buys based on the cost and features, short list them and call your current insurance along with other new insurance companies for their insurance quotes to compare the premiums offered by them for the cars you have short listed. Prices of car insurance vary according to the price of a car, its safety record, cost of repairs and its vulnerability to thieves.
Never ever pause an insurance coverage even if you migrate from one insurance company to another for the same vehicle: While you are switching policies, make sure that your vehicle is kept insured all along. If you tend to forget making payment on the premium, the insurance coverage lapses and rates increase.
Keep a close watch on your credit record: Insurance companies correlate bad credit and the likelihood of making a claim and they will have no qualms checking your credit score to determine insurance rates for you.
Use your car only if you are in absolute need to use it: Many Insurance companies offer a low-mileage discount for drivers who have a short commute over a few miles each year, so try not to go on long drives.
Always seek a high deductible on your car insurance: Increasing your deductible is one of the easiest ways to reduce your car insurance premiums. Make sure that you will have enough money to pay the deductible, even if you hope not to get into an accident.
Take advantage of the discounts available with the insurance process: You will be entitled to a discount on your premiums if your car has modern technological features like extra anti-theft and safety features like anti-lock brakes. You will be entitled to a discount on your premiums if you have taken a defensive driving class and good grades as a current student.
If you are a safe driver you will be automatically entitled to a low price on your car insurance: Always drive carefully to avoid accidents and tickets. Bad driving raises your insurance rates or even lead to a non-renewal of your car insurance policy. While too many speeding tickets can cause a problem, involving in an accident typically raises your insurance by 40%.
Car insurance rates vary with locations, so you may consider transferring your residence. This idea may not sound very practical but auto insurance rates differ from one location to another because of the rate of incidence of car accidents or thefts. Generally, car insurance rates tend to be low in rural areas.
Loyalty to the same insurance company for multiple insurances can get you a good discount price on your car insurance. Majority of the insurance companies offer a discount for combining car, homeowners and renters insurance as single insurance providers.
Consider the age of your car to avoid unnecessary insurance for its coverage: If your car is already old, buying a collision insurance or comprehensive insurance for it is not a wise decision. As a rule of thumb, if your old car is worth less than 10 times the premium, you should drop this type of coverage and save money.
Have an independent agent as your personal insurance expert: An independent agent generally has very good relationships with many an insurance company. He would be highly obliged to shop for you for an insurance policy. The same guy would also be handy as your personal insurance expert you can always fall back on. He can be of immense help in customizing your car insurance needs so that your car is adequately covered.
The directives given above are not intended as legal advice. You may pursue your lemon law claim or any other dispute with your automobiles by being in communication with Illinois Lemon Law attorneys of Krohn & Moss Ltd., or Call 1-800 US LEMON (800-875-3666) toll free, to reach Krohn & Moss for your FREE initial consultation.
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