subject: Simple Tips On How To Get Cheap Rates On Auto Insurance [print this page] If you drive an automobile, you have to carry insurance. There are many different variations of auto insurance plans for you to choose from. By brushing up on the subject of car insurance, you will be better equipped to get the best deal on the coverage you need.
You may not want to buy after-market add-ons if you don't need them. Luxury items are great to have, but they are things you can live without. If you do and your car is destroyed, your policy may not cover it.
The less a person drives, the less they should pay for insurance; look into low mileage discounts. Oftentimes, you will have to drive less than 7,500 miles in a year to avail yourself of this discount. You can also get a commuter discount if you consistantly use public transportation.
If your driving record contains negative items, such as points or tickets, your auto insurance rates can substantially increase. For the same reason, they can also reduce the cost of your auto insurance when they expire from your record and are removed. If you have recently had tickets and/or points removed from your driving record, now would be a great time to shop for new auto insurance quotes!
No two insurance companies are alike. Because insurance companies offer a broad array of policy prices, always solicit additional quotes if you do not like the first few you receive.
Check with the HR department where you work to see if they have employee discounted group rates for car insurance. Insurers often offer discounted group rates to businesses, and many businesses take advantage of such offers on behalf of their employees. The amount of time you have worked for an employer may influence how much of a discount you can get as well. If you company does not currently participate, recommend it to them.
It is commonly believed that car insurance rates will always drop when a driver turns 25 years old. However, the truth is that rates slowly decrease from the time a driver turns 18 years old, as long as he or she maintains a clean driving record.
You shouldn't buy new cars for teens. Instead, have them share a car the family already owns. Putting a teen on your policy is much cheaper than getting them separate insurance. Some companies offer good student discounts.
Make a comprehensive list of your car's safety features to squeeze out the lowest possible price for your insurance. Side curtain and passenger air bags reduce the likelihood of injury and therefore may decrease the premiums you pay. You can also get a lower rate by adding the features to old cars.
When purchasing auto insurance, it is important that you look into several different companies. Odds are, you'll have to spend some time looking, if you want to get a really great rate.
Once a family member buys his or her own insurance, make sure to take him or her off of your policy. This will reduce the amount of money you must pay in premiums. For instance, if your child who has always been covered under your policy buys his or her own policy, lower your premium by having that child removed from your policy. Insurance companies consider drivers in the household when setting rates, so reducing the number of covered drivers can reduce your premium.
Car insurance premiums are highly variable between different drivers. The difference in price is a not just a matter of the car that the driver is driving and their driving record. Some people use tricks to get the same or better coverage for less. You can easily do this if you take the time to learn the auto insurance tricks.
by: Anna Nesbit
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