subject: Auto Insurance Data To Help You [print this page] Owning a car means having insurance, no ifs, ands or butts. That said, you have a host of options when it comes to choosing insurance for your particular situation. If you take the time to learn about the subject, you may be able to get better coverage for less money.
If there are drivers that are listed on your policy who don't drive your car any longer, have them taken off as soon as possible. You want to take the additional driver off, because you are most likely paying more to have them covered.
Try to pay your car insurance on an annual basis rather than monthly. Insurance agents add three to five dollars to monthly bills. The money wasted here adds up fast. This can be troublesome with your other bills. Less payments means more money.
When purchasing auto insurance for your teenager, consider your options. In some cases, it would be cheaper for you to get a separate plan for your child, than it would be to add him or her to your current one. You will want to find out if it is cheaper to insure your vehicles on different policies.
Make sure to research insurance costs when you are purchasing a car. Talk to your insurance agent about which cars offer the best rates. This can be quite helpful to you when it comes to selecting a car, whether new or used. Your insurance premiums might go down dramatically if you settle on a car with superior safety ratings.
Ask your insurance provider for a list of all of their available discounts. In many cases, you'll be able to get a discount if you drive under 7,500 miles yearly. You can also have lower premiums if you use public transit. If you cannot do that, try carpooling.
Being a good driver can lower your auto insurance premium. Insurance companies frequently offer you discounts if you are a careful driver and obey traffic regulations. Driving poorly can be an expensive habit. The more care you take while driving, the better discounts you will get on your insurance policy.
When you cancel your current insurance policy to switch to another company, you should do it in writing, and keep a copy of it. If your insurance company does not record your cancellation, they will issue a bill -- and when you don't pay that bill, they could report that they cancelled you for non-payment. Having your policy cancelled for nonpayment can negatively impact your credit score.
There are many factors that can determine the rates quoted for auto insurance. Factors include gender, age and marital status. It pays to educate yourself on the factors that can influence your rates, so you can recognize if a quote you're given while comparison shopping is high, low or reasonable.
There are many factors that can affect the price of your car insurance. You can control how far you commute, your driving history and your credit rating. Being aware of these factors can help you reduce the cost of your auto insurance to a more reasonable level.
by: John Kline
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