subject: Save Money With Car Insurance Quotes Comparison [print this page] You can save money with a car insurance quotes comparison. Before you apply for vehicle insurance, check your credit report. Car insurance companies will use your credit score to determine your rate. Make sure there are no errors on your report.
Check the minimum insurance requirements in your state. You should carry more liability insurance than your state requires. Most insurance groups recommend that you have one hundred thousand dollars in coverage per person injured, three hundred thousand dollars per accident, and one hundred thousand dollars in property damage.
Most car insurance policies do not cover you if you drive in another country. Ask about available riders to your policy if you regularly drive outside the country.
Collision coverage pays for damage to your vehicle. If your vehicle is more than twelve years old or worth less than four thousand dollars, this coverage might not be worth the extra money. Comprehensive coverage covers your vehicle if it is stolen or is damaged by fire or vandalism, but again if your vehicle is an older model, or worth less than four thousand dollars, this coverage may not be worth the extra expense.
There are additional options you might consider. You can pay extra for roadside assistance, glass damage, and extra medical coverage. But if you want to keep your premium payments to a minimum, you need to ask yourself if this additional coverage is necessary.
However, it is a good idea to have coverage for uninsured or under insured drivers. If you are involved in an accident with someone who has no coverage and you are not at fault, your insurance company will compensate you for your loss. Some states require this coverage, but even if you live in a state that does not, it is a good idea to buy the extra coverage.
Some insurance companies offer discounts if you have air bags in your car, if you have anti lock breaks, or if you have an anti theft system installed on your vehicle. If you are a student or if someone in your household is a student, most insurance companies offer discounts if the student has a high grade point average.
If you have a clean driving record, you can also expect a lower rate. If you have a traffic citation pending, you can have the ticket removed from your record if you attend traffic school. You should research many companies to find the right premium for your budget.
by: Lance Thorington
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