Drive Smart and Save on Your Car Insurance!

June 23, 2010 by  
Filed under Car Insurance

One tip you should follow to be able to get inexpensive car insurance rates is to shop around and compare policies from different insurance companies. Be careful in evaluating each policy because sometimes, rates for the same insurance policy can vary from one insurance company to another. So don’t sign up for an insurance policy because that’s the first one you’ve found or because you know the agent. Better get quotes first from several companies and study their policies carefully to find the lowest rates.

It is also a good decision to purchase your auto insurance from the company where you got your home insurance and other insurance coverage. Majority of insurance companies give a discount for more than one policy you get from them.

Aside from these two tips, you can also do something to save on auto insurance when you are behind your automobile’s wheel. It helps a lot to practice smart driving. This means obeying the laws and rules of the road. You must avoid getting a ticket for running a red light or for speeding as it will cause insurance price hike. Staying away from traffic violations will give you a clean driving record which significantly reduces your auto insurance premiums.

There are also cases when you will be offered to go to a driving school if you commit a traffic violation. This is helpful because taking a driving course considerably reduces points on your license which equals to lower rates on your auto insurance. So if you have traffic ticket, grab the opportunity to take the driving class offered to you.

You should also drive safely to avoid accident. Though there are times when an auto accident is inevitable or is caused by the actions of another driver or pedestrian, sometimes your own hasty actions result in a road mishap. So besides being smart, you should also be a safe driver all the time to lessen your chances of being involved in a road accident. Being accident-free dos help you save bucks on your auto insurance.

Another thing a smart driver does is to ensure his or her ride is outfitted with safety, security, and anti-theft devices. There are cars that already come equipped with such features. Each of these devices has particular discount on your insurance rates.

When purchasing a new vehicle, always consider your car insurance premiums. There are vehicle types and models that usually come with higher insurance price tags. For you to get auto insurance savings, ask first for a tentative auto insurance quote for various types of car and avoid models with very high rates.

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.

Getting The Best Auto Insurance Coverage

June 18, 2010 by  
Filed under Car Insurance

Compare Quotes

This is one of the most effective ways to score savings out of your auto insurance. Find as many insurance companies as you can and possibly talk to each to determine which might not only offer the best policy but has a price reasonable enough for you. The more information you ask the more options you will have when comparing each. If you are worried that asking and shopping around can affect your credit, it will not. So, research a lot, shop around, obtain quotes, and then compare.

Ask About Discounts

Every time you researching a new company ask about discounts. Not asking will make you lose savings opportunities. There are many forms of discounts you can score from an insurance company. Some of these are multicar discounts, safe drive discounts, eco-friendly discounts, and bundling services discounts (like ATV, car, and home).

Having security and theft gadgets can also give you discounts. If you belong to the senior citizen group, you might want to inquire about senior discounts as most companies offer a discount. When you are 55 and older, you may score around 10% discount. It will never hurt to ask if discounts are available.

Don’t Speed

One of the biggest things that cause an individual to pay more than what they should for auto insurance is getting tickets. So avoid speeding at all costs. Stay away from traffic tickets and that would mean you are a good, responsible driver, and who knows, a discount from insurance.

Choose the Right Vehicle

Getting a good mid-sized car for your family rather than purchasing that expensive little red sports car may be a more sensible choice to avoid getting high premiums in your insurance. Nevertheless, always check first with the insurance company and what it recommends for lower premiums.

Remember also that insurance policies may vary from state to state. So, the best thing to do is to ask first before signing up. Insurance providers are always happy to recommend great tips to help you on your auto insurance savings. You may want to attend a drivers safety class so you keep away from vehicular dangers, which can shoot up your premiums as you file for a claim.