subject: You Should Comparison Shop For Your Car Insurance [print this page] Complicated terminology abounds in the world of auto insurance. Sometimes, it may seem extremely confusing. Read on to learn what the terms found in your insurance policy actually mean. Knowing what the agents are talking about will help you make better choices when it comes to auto insurance.
Don't just buy the first insurance policy that you see; take the time to look at everything that is available to you. Every company offers different rates depending on many different factors. When you check out several options, you will end up saving money.
If you have a past accident or ticket that is driving your insurance rates up, you may be able to work with your insurance company to find a way to reduce your costs back down to a manageable size. In exchange for taking driving lessons and courses after driving infraction your insurance company may give you a lower insurance rate. Some insurance companies, such as Progressive, will install a chip in your vehicle temporarily that allows them to monitor your driving habits. When you have proven that you are a consistently safe driver, you will get a lower rate.
When you are considering accessories for your car, be sure to consult your insurance agent in regards to how these accessories will affect your coverage. When purchasing extras for your car like stereo systems, it doesn't matter what price you paid, only what the appraiser is willing to value them at.
A great tip for auto insurance is to get 100/200/100 level coverage for liability if you have a good car with a few assets to protect. Most states set requirements for drivers to maintain certain minimum levels of liability coverage, so make sure that you are properly covered.
People who don't drive much, or those that don't have to drive very far to work, may be able secure a premium reduction. Oftentimes, you will have to drive less than 7,500 miles in a year to avail yourself of this discount. If you take public transportation to complete your work commute you may qualify for what is termed a "commuter discount." Be sure to mention this to your agent.
One option you always have to help decrease your insurance payments is to raise your comprehension and collision deductibles. Having a higher deductible on your insurance policy often results in lower premiums. However, if you must file a claim, you will have to pay more due to the deductible. That's an important point to keep in mind.
Requesting payment receipts from your insurance company is a really smart idea. Keep copies of your paid bills on hand, in case your insurance company is late in sending your new policy card. If you are pulled over, the police will want to see proof of insurance.
In order to keep your auto insurance premiums low, make certain you are a cautious driver. If you can avoid getting a ticket or having an accident, this should enable you to qualify for the various good driver discounts that an insurance company offers. These discounts will save you money, and may increase each year you go without having an accident or violation. This also prevents your monthly premiums from increasing.
This article should have provided you with enough information to make the right choice. Understanding your insurance options is the only way to choose the right one.
by: Larry Young
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