subject: Seven Ways To Get The Best Auto Insurance [print this page] The economy is in a slump and lots of people are losing job. Yet, you still need to pay for bills and other necessities such as car insurance. But how can you get the best deal? Of course, you need to know what to prioritize. Are you looking for low cost or complete coverage? Please consider the following seven factors when shopping around for the best policy for you.
Your sex and your age matters: compared to men, women tend to pay less for their coverage. Younger drivers, especially those who are under 25 may have to pay higher rates for their car protection policies. This is perhaps because they are seen as inexperienced drivers and prone to accidents. Married individuals also pay less, compared with singles.
The distance you cover daily does have an effect on the quotes given to you. If you work from home several times a week, you should let the insurance providers know about that. You may get a lower quote. After all, youre not driving as much as those who have to go to the office daily. If you hardly use your car, you can also get limited use policy, which will save you considerable amount of money.
The kind of car you drive is another important factor in the amount of your car insurance quote. A high risk car will of course, generate a higher premium. But if you will choose a safer and cheaper car, you will also save money on insurance. Try to avoid sports cars and heavily modified cars as they will entail more costs on your end.
The amount of deductible you are willing to shoulder also has an effect on your car insurance rates. If you want lower rates, just increase the deductible. You can probably do this if you are a safe driver and youre not getting on accidents frequently. But if you are a clumsy driver and prone to accidents, you might want to lower your deductibles because if you ever meet an accident, you may just run out of money because of the costs you have to personally cover.
The place of your residence is also a factor. Given the high incidence of traffic accidents and theft in rural areas, those who live in cities may have to pay more for their coverage. Whereas those in suburbia or in rural areas, they may pay less because of the lower levels of risk.
Consider increasing the safety of your car by installing devices and gadgets such as an alarm, a tracker and an immobilizer. But be sure to let your insurance company know about these security gadgets. They will be able to reduce your premium because these devices decrease the level of risk of your car.
You can also consider opting for a lower level of cover. This is especially true, if you are driving an old car. You can probably get liability-only coverage and not the collision cover.
by: Gami Castillo
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