subject: Cars, Trucks, And Other Vehicles Insured Easily And Affordable With These Tips [print this page] Affordable car insurance is within your reach if you follow the advice given here. There are several things that insurance companies factor in when they're deciding rates.
Ask your insurance provider for a list of all of their available discounts. Most insurance companies can give low mileage discounts if you put 7,500 miles or less on your car each year. Another discount is often given to people who take the bus or subway to work. In the absence of effective public transportation, carpooling may not just save you money on gas, but on your insurance rates as well.
Learn and understand the terminology before choosing any type of insurance policy. Each state has different requirements, so be sure to do some research. Knowing terms and getting online quotes before you sit down with a particular company will help you make informed decisions.
Reduce how much mileage you put on your car. If this is a tricky task for you, it may be worth investing in an inexpensive car to serve as your second vehicle. Sometimes insuring two vehicles with half the mileage can cost less than insuring a single high mileage vehicle!
Reconsider buying after-market add-ons for your car that you do not really need. A decked out stereo system or toasty heated seats are nice to have, but they are not necessities. Insurance companies will not pay for the damage or loss of any of these types of items.
Make sure that when you switch insurance companies, you cancel the previous policy. Get the cancellation in writing, and hang onto it. If you do it by phone and it doesn't get recorded properly, they will send you a new bill. When you don't pay it, it may get reported as a policy that lapsed because of non-payment. This can affect your credit score and your ability to get insurance in the future.
Car insurance rates can vary depending on your location, so keep this in mind when planning a move. The rates can change depending on if you live in a rural or urban area, and they vary from state to state.
The most obvious way to lower your auto insurance premiums is not to get into accidents. Don't get into accidents or commit moving violations to score a premium reduction. Your auto insurance policy can be quite costly if you have a bad driving record. Your premium will lower the safer that you drive.
As you have read, there are numerous ways to change the price you pay on your auto insurance. You are in control of the amount you drive. Educating yourself is the key factor in selecting the right insurance coverage for you, at the best rate possible.
by: Carla Patton
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