subject: Beginner Tips To Help You Save Like A Pro On Auto Insurance [print this page] If you follow the rules your insurance company sets out, and follow these few tips, you'll be able to obtain affordable auto insurance with no problems. Insurance companies set standards and criteria that determine the best rates for each driver.
In general, large car insurance providers will offer sizable discounts to families in which every driver is insured by the same company. You could save hundreds, even thousands of dollars per year in monthly premiums by insuring all of your vehicles together.
Ask about group auto insurance rates through your employer. Some companies make deals with insurance companies to acquire group rates for their employees to take advantage of. In some cases, being a long-term employee can snag you even larger discounts. If special group plans are not available, consider suggesting the concept.
Defensive driving courses can be a great and simple way to lower your insurance rates. Simply enrolling in these courses often gives you a discount on insurance right away. They'll also help you learn to drive more safely, preventing you from getting in accidents that could raise your rates. You can find these classes at your local driving schools. If physical classes don't work for you, check for online versions.
Write down a list of each discount your insurance company offers. Go through that list and put a check mark next to any that apply to you. Many people miss out on discounts that they're actually eligible for simply because they do not do their homework.
Always separate drivers from your policy once they have acquired their own insurance, thus reducing your premium. 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. Although a multiple-driver policy is not as expensive as individual policies for each driver, each additional driver does add an extra cost to your premium.
Lower the number of miles that you drive your car in a year. If you are not able lower your mileage figure, consider buying another, inexpensive car. Use this car as a work vehicle, or a second car, and log the high miles on it. It may cost you less to insure two vehicles that have lower mileage than it will be to insure one that is driven high miles each year.
Research has shown that most daytime accidents are the result of senior drivers. Keep this is mind, because it might affect insurance policy rates. It also might have an affect on even being able to get auto insurance.
If issues with your driving record are raising your insurance premiums, then you may be able to take action to reduce your rate. For instance, if you get a ticket or have an accident that results in a rate increase, you might be able to get it reversed if you complete a defensive driving course. Some insurance companies also give drivers the option of installing tracking devices on their cars that monitor driving habits. They then use this information to determine whether your rate should be lowered.
Using the sound advice from this article will help you to be confident that you are making the right choice. Educating yourself about your choices is the best way to conquer your confusion when it comes to auto insurance.
by: Ann Markey
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