Free Auto Transport Quote - How To Save On Car Insurance
Everyone who owns an automobile requires auto insurance
. This article will give you some tips on lowering your auto insurance costs. You will find a checklist of items to ask your insurance agent that may qualify for discounts. Bear in mind that not all discounts can be applied with all insurance companies in all states.1. Shop Around
Go to your favorite search engine and type in "free car insurance quotes online". You will see a long list of insurance companies that you might even be familiar with. Go to at least five car insurance web sites and look for a link to free quotes. You'll then be asked basic info about yourself, your driving history, and your car's make, model, and year. It just takes a few minutes, and soon thereafter, they will e-mail you a no obligation quote. Write down their website address, their toll free number, and customer service email address.
2. Saving Insurance Premium on cars you own outright.
If you own a clear title to your car, which means there's no bank loan on it, then you may want to think about dropping the collision/comprehensive coverage. As a rule of thumb, if the car's value is lower than $3000, it might not make sense for you to pay for this extra coverage. Over time, the cost of the extra insurance premium will surpass the value of the car. It is fairly simple math. Check out the fair market value of your car either via Edmunds.com or even your local newspaper.
3. Ask About Insurance Rates in Different Areas
Rates can differ greatly even in the same state. Different locals have different accident rates, population, and crime. These all factor in to the final cost. If you are moving to a different area, inquire about what the rates are for that town.
4. Inquire About Getting Other Insurance Policies Together with your Auto Insurance
Combining insurance policies with the same company can frequently give you extra discounts. If you own a house, inquire about combining your homeowners insurance with your auto insurance. Furthermore inquire about other polices, for example life, health, and business insurance. Many insurance companies cover a wide variety of policies and will provide substantial discounts when you do business exclusively with them.
5. A Clean Credit History Can Reduce Car Premiums:
With good credit can also lower your insurance costs. Many insurance companies will use credit info to price auto insurance policies. Drivers with good credit and a clean driving record may qualify as a "preferred" customer with reduced risk and will be rewarded with reduced premiums.
6. Low Mileage Discounts
A few companies offer discounts to drivers who drive a lower than average number of miles per year. If you car pool, take public transportation like the subway, or work from home, you'll probably drive few miles per year than the average driver.
7. Group Insurance
A few insurers offer discounts to drivers who work for particular companies or belong to professional associations, and alumni groups. Ask your employer, group or clubs that you belong to if they have any special arrangements with different insurance companies.
Using all of these ideas can save you hundreds of dollars per year, especially when you have several cars and multiple drivers in the same household.
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