Fail Proof Ways To Get Auto Insurance Savings

It pays to shop around. Remember that not all insurance companies are made equal and their auto insurance prices surely vary. Ask for price quotes from different companies for you to discover which of them charge higher or lower. Don’t settle on the company that approaches you first. By shopping around, you’ll be able to see the one that offers the lowest auto insurance quote.

It is also important that you avoid getting a speeding ticket. Why? It is because you’re driving record always matters when it comes to the price of your auto insurance. If you consistently get an over speeding ticket, expect your insurance rates to go up. So if you want to keep your rates low, drive safely and avoid speeding to maintain a good driving record.

While all of us are drooling over certain vehicle model, it isn’t really practical to get the car of your dreams when talking about auto insurance. Even if that sports coupe you’re dreaming of for many years now will be one of the coolest driving machines in town, you must stay away from it if you want to get the lowest possible auto insurance rates. The secret here is to settle on sensible cars or those travel buddies that aren’t on top or aren’t even included in the list of theft or accident reports.

It is also a good idea to avoid filing claims. Some auto insurance companies will not tell you this but once you file a claim on your insurance policy, the more likely your rate will go up. So to avoid high insurance premiums, stay away from filing a claim. Also, if you file claims over and over again, insurance companies will tag you as such and this will result in auto insurance price hikes.

And aside from giving you peace of mind, installing car security devices also gives you lots of savings on your auto insurance premiums. How? Well most insurance companies give discounts for every safety and security device installed in your ride such as automatic safety belts and car alarms.

Some of these devices come standard on several vehicles while most come optional and can be installed in your ride anytime you want to. They are widely available in most auto-part stores online and offline. There are also some sates that give discounts for some vehicle features like window sketching.  So if you really want to see a difference on your insurance rate, equip your vehicle with as many car security add-ons as possible.

Save On Auto Insurance – Be A Defensive Driver

June 18, 2010 by  
Filed under Car Insurance Information

Most insurance providers give their customers a 10% discount on their auto insurance if they take a defensive driving class.

Road rage makes up almost a third of street accidents. Insurance companies know this so it’s a good advantage to them if their customers get classes on defensive driving.

Keys to Safe Driving

To avoid accidents, incurring a bad driving record and getting insurance claim, it’s wise to know how to be safe on the road when you are behind the wheel. Here are some know- how’s on defensive driving.

Safety First

The first thing you should do to avoid accidents when driving is to use your seat belt and make sure that you lock your car. This way, you wouldn’t be thrown out of your vehicle if ever you collide with another car.

Stay focused

Inattentive driving is one of the many reasons drivers meet accidents. Concentrate on your driving when you are behind the wheel. Avoid answering your mobile phone or sending text messages as much as possible. Though Hands-free devices are now available for your phones, it’s still not advisable to take a call when driving as your attention is divided between the road and the person that you’re speaking with.

Be alert and aware of your surroundings

Keep in mind that you’re not the only person on the road. You don’t know how other people drive so it’s important that you are aware of your surroundings. Keep a safe distance between your car and the vehicle in front of you. Try to follow the 2 to 4 second rule to avoid crashing into the car in front of you when it suddenly hits the brakes. Always check your rear and side mirrors.

Be patient

Aggressive drivers get into accidents more often than those who aren’t. Don’t be in a hurry and follow traffic rules all the time. When a driver is not following street rules, let him be. You don’t have to bother yourself and imitate that driver. You always have to be on the look out for yourself. You won’t be able to control another driver’s rage but you can control yours. Give and take is the key to safe driving.

Enrolling in a Defensive Driving Course

Depending on where you live, most of the time, you’d be required to take defensive driving classes before you can get a license. You’d also have to enroll in a defensive driving class of you’re given a ticket because you didn’t follow driving rules.

There are a couple of ways to enroll in a defensive driving class. You can go to your state’s DMV and inquire for their class schedules or you can take these classes online. When you’re done with this course, inform your insurance provider so the company can apply the appropriate discount on your auto insurance.

Whether you are getting into this class to get rid of a driving ticket or because it’s one of the requirements to get a driver’s license, keep in mind that a defensive driving course would be very beneficial to you in the long run. Not only would you know the right way to drive and act whilst behind the wheel, but you’d also get a discount on your auto insurance. All these should be enough to convince you to take a defensive driving class.

Buying Car Insurance

June 18, 2010 by  
Filed under Car Insurance Information

Buying Car insurance doesn’t have to be as difficult as some would make you believe and with computers it’s even much easier! Many people don’t have the time to waste calling several different companies out of the phone book, looking for the best deal and the lowest car insurance rates.    If you’re for the best rate, then you know the Internet is your best bet to find the greatest deals.  Not only can you find the best deal, you should be able to compare rates and policies right in the comfort of your own home and even purchase the policy you want right online.

Most car owners feel more comfortable buying car insurance online, it’s a quick and easy process and you won’t have to sit through a long series of automated questions and answers.

The first rule of thumb for getting car insurance quotes online is not to go to car insurance company’s web site; this will limit your quotes and your options.  There are tons of sites out there that allow you to fill out a single questionnaire and then compare quotes side-by-side.  You can look over the rates and coverage of several different companies at once.

Also, buying your insurance policy through an independent agent is better than going through an insurance company.  Independent agents don’t work for any one company but for you, the consumer.  They do all the work of comparing quotes for you, in the end they can usually provide you with a much better deal than what you could find on your own.

Independent agents are offered select deals through car insurance companies, policies and rates that aren’t available to the average person.  You’ll never have to talk to a car insurance company, just send them their monthly or quarterly payment and everyone is happy.  If there is ever a problem, simply contact your insurance agent and they’ll take care of everything. There are no fees involved with using the independent agent all you do is pay your car insurance bill.

Due to laws in most states, car insurance is mandatory and therefore most everyone must have at least the minimum.  This doesn’t mean you can’t shop around and find the best priced policy that will fit your budget.