subject: Great Tips For Making An Auto Insurance Decision [print this page] Many individuals are under the impression that learning the fundamentals of auto insurance is hard to do. If you take the time to read a little bit about how it works, you will find it is not so difficult to understand.
Take the time to get quotes from different car insurance companies. Rates vary wildly from one company to the next. To make sure that you are getting the best deal, get quotes at least once a year. Make sure these quotes are for a similar amount of coverage when you're comparing rates.
If your insurance rate is high because of your imperfect driving record, there are several ways to lower it. In exchange for taking driving lessons and courses after driving infraction your insurance company may give you a lower insurance rate. Some companies, including Progressive, let you install a chip into your car so your habits can be monitored and your rate can be reduced accordingly.
Try to drive fewer miles each year to save money. Sometimes it is easier to purchase an inexpensive, fuel efficient car as a secondary vehicle than it is to cut your mileage on your primary car. You may find that the cost to insure two low mileage vehicles each year is cheaper than one high mileage vehicle.
Avoid attorneys and filing suits unless the claim is worth more than 25,000 dollars. It is better to focus on making a settlement with your insurance companys claims adjuster. Getting a lawyer costs a lot of money, and the amount they will charge you in fees makes it not worthwhile.
Certain insurance companies give people over the age fifty-five a discount if they take an additional driving course to refresh themselves. Some consumers receive discounts that reduce their insurance by as much as 10%.
When it comes to changing car insurance policies, always be sure that your driving record is clean before doing so. Insurance companies are definitely going to review your driving record; you have no excuse for failing to resolve easy problems like paying the fines you owe. Unresolved traffic issues lead to higher insurance premiums.
A sports car may increase insurance policies, but this is not a universal truth. The reality is only a few sports cars have huge premiums. When shopping for a car, it would be a good idea to give a call to your insurance agent to find out what the rate is for the car you are looking at.
If you have multiple drivers insured on your policy, make sure that you report to your insurance company if someone stops using your vehicle. You want to take the additional driver off, because you are most likely paying more to have them covered.
Car insurance rates can greatly vary in price and coverage. The difference in price is a not just a matter of the car that the driver is driving and their driving record. Some people can get superior coverage for less. You can save money too, if you understand the tips in this article.
by: Jenny Dickson
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