subject: Gaining Traction In The Auto Insurance Market [print this page] Find great insurance rates by working with insurance companies and using the advice you get here. There are several things that insurance companies factor in when they're deciding rates.
Drivers with short commutes, or drivers who rarely drive at all, may qualify for low mileage discounts. In order to be eligible for this type of discount, you generally have to drive below 7,500 miles per year. You could also qualify to receive a commuter discount if you take public transportation to work instead of driving.
Do not switch cars between family members to keep your premiums low. By having only one driver for each car, you will get a better premium for your insurance policy.
One of the best tips you can find regarding auto insurance is to keep your driving record clean. An automobile accident quickly raises your insurance rates. Stay aware of your limits and capabilities as a driver, and keep away from risky driving situations. If you have poor night vision, avoid driving at night.
If your policy includes a car rental, you should consider taking that off of your policy. It is likely that you hardly ever use it, yet you are still paying for it. You may need that coverage in the future, so be careful of choices you make.
To save extra money with your monthly insurance premium, drive fewer miles each year. If you can prove to your insurance company that you drive fewer miles, they are likely to lower your premium.
Beyond the state legal minimums for liability insurance, there are many other insurance options. Your premium might be more expensive, but the extra options are often worth it. For example, if you get uninsured motorist insurance, you are protected even if the other party involved is illegally driving without insurance.
Reduce your annual mileage for your vehicle. If you have to drive a lot each year, consider doing it in an inexpensive, second vehicle to lower your risk, which in turn lowers the insurance company's risk. It may cost you less to insure two vehicles that have lower mileage than it will be to insure one that is driven high miles each year.
Make sure you have all the paperwork for additions or repairs made to vehicles and give them to your insurance company. While on the scene of the accident, make sure you snap a few photos of the damage with your cell phone. It may even make sense to keep a camera in the vehicle so that you are prepared for any circumstance.
If you do your research, you can find the auto insurance that fits your needs. With these tips and tricks, you can considerably lower your auto insurance premiums.
by: Katharine Benjamin
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