subject: Handy Ways To Help You Save Big On Auto Insurance [print this page] Having auto insurance is a requirement for driving. That said, you have a host of options when it comes to choosing insurance for your particular situation. Learning about them can help you get lower-cost, more effective coverage.
If you want to obtain a low premium on your insurance policy, select a high deductible. A higher deductible means you will be responsible for any repairs needed due to smaller accidents, but it will cover losses from accidents where you are at fault. A high deductible makes sense in cases where the car is not worth very much.
Being knowledgeable about basic insurance features is helpful when shopping around for policies. While each state varies in requirements, the basic concepts of insurance are the same. Doing some online research through automated price quotes can help you be more prepared when you meet with an agent face to face.
Try to drive fewer miles each year to save money. Buying a second inexpensive car to split the mileage with is an option to try if you just can't cut down on your yearly mileage. You may find that the cost to insure two low mileage vehicles each year is cheaper than one high mileage vehicle.
Think twice before adding any kind of accessories to your car. Custom rims and a top of the line stereo system are not really necessary for your car. Insurance companies will not pay for the damage or loss of any of these types of items.
100/200/100 level liability coverage is a good idea if you have an expensive car. Most states have minimum requirements for liability insurance coverage and it is important that your policy meets or exceeds all required coverage levels.
The best advice in getting auto insurance is to keep your driving record spotless. There is almost no event more detrimental to policy cost than a collision. Know your driving limits, and avoid risks that could cause accidents. Don't drive at night if your visibility is poor at these times.
If you have a teenager in your family, do not buy them a car. Instead, they can use a car that you already own. This saves you money on insurance because you can just add them to your existing policy. If your teenager is on honor roll, it might be good enough for a discount.
Consider paying your entire premium up front. A lot of insurance providers charge service fees for policy premiums that are broken up into monthly installments. Start saving money now for your insurance premiums, and try to pay for your insurance cost in one payment upon renewal time to avoid the service charge.
Of course, you will pay more due to your record, but not all insurance companies calculate premiums the same way. Some insurance companies even help drivers who have a few bad records get a good rate.
We all pay various amounts for our auto insurance. The different rates are due to more than just the circumstances of the driver or the type of car that they are driving. For some, they are able to get excellent coverage without spending a lot. You can be someone like that, if you research the tips of auto insurance further.
by: Olivia Lake
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