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Half Dozen Tips in Buying a Car Insurance
1. Get married
It may sound funny but it is true. Single, divorced or maybe widowed individuals tend to have higher premiums. This is due to the fact that statistics shows that people with no family on their own have more tendencies to be involved in accidents. This can be compared to younger people who are prone to accidents which are back-uped by figures and statistics. This maybe because they have no other people to think of and they become more careless than people with wives/husbands and sons/daughters.
2. Clean up History Credits
Your history will haunt you. Insurers are looking into your past debts, payment histories and previous car insurance. They will have higher premiums for individuals who have shaky credit history and charge lower fees if otherwise. They are thinking that a responsible person in paying his/her dues on time will most likely not have claims in their insurance regulary. A problematic credit history with many issues in the past will certainly add some dollars in yearly premiums.
3. Love Rural Areas
Insurance companies charge lower fees for people living in the rural areas. In these areas, few people are living, roads are wide, few cars and will contribute to less chance of having an accident. Auto theft also is rampant in urban areas and there is greater chance that clients will claim their insurance. A lot of un-insured motorists in the city also add in your insurance rates. So if moving out is an option for you, go to the rural areas.
4. Want to be a pilot?
Your occupation has an effect to how much insurance companies will charge you. Insurance rates will be lower to occupation such as pilots, navigators and actors. Stressful jobs such as lawyers and in the field of business have higher premiums. This is because they often on the road and on on their cellphones and contribute to higher fees. Whereas pilots for example are well trained in cautious driving because of the discipline needed in their jobs. Less stressful jobs such as performers will also most likely not be involving in a car accident. Live a non stressful life and pay less on your insurance premium.
5. Drive safely
Accident histories will affect your insurance rate. The standard is to increase the premium by 40% if you ever had an accident. For example, your rate will increase by $40 if your premium is $100. However, not all insurance companies play with this rule. Some are lenient on first time offenders. Bottom line is, drive safely to save some dollars in the future.
6. Cash is good
Insurance companies allow you to break up your annual premium fee into months, quarterly or by 6 months. However, they charge some administrative costs if you split your payments. The more splits you have, the greater the fees add up. So it is better to pay the premium in just one time and save money in the future.
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