subject: Are You Auto Insurance Premiums Too High? [print this page] Insurance can be confusing. Insurance companies set their policies based on two main factors. First, the odds that you will get into an accident or have your car stolen in the next 12 months. Second, how much they will have to pay you if one or the other comes to pass.
Car insurance can be expensive, even if you are a good driver. But there are things that you can do to help curb car insurance costs.Step one " check out other car insurance companies. Each insurer has a slightly different policy mix and each family has a slightly different set of circumstances. It is entirely possible that a different company could give you a better rate for the same coverage simply because their programs and discounts fit you better. Do some homework and find the company that fits you best.
That's why you neighbor could be getting better rates for the same coverage with the same company as you are. That company is just a better fit for your neighbor than for you.That company is just a better fit for your neighbor than for you.
Look around at some of the other companies and try and find one that fits you better, where you can take advantage of discounts not available from the company your neighbor uses.As you are looking around, let the agents know that you are comparison shopping. The insurance business is very competitive. If an agent thinks that shaving off a point or two on your policy could land you as an account, it might get you a lower premium.
Get together with some people from work and form a car pool. By taking turns driving, you all save on gas, save on insurance and get to use that special fast lane on the freeway.Car insurance is all about the numbers. With a little effort, you can make those numbers work for you and save money each month with your favorite insurance company.
by: Barry Joy
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