Car Insurance Tips
There are quite a few factors that come into play when you are obtaining car insurance
. Listed are the most common ones to help you understand the process.Whether or not you get collision and comprehensive coverage - For older, less valuable cars it usually isn't worth it to get this.
Driving record - This is obvious. The more claims, tickets and DUIs you have, the higher your insurance premium will be.
Sometimes it is possible to take a traffic school class to get a traffic ticket removed. Also, it is possible to fight a ticket in court; sometimes the penalty is reduced or completely removed if the police officer doesn't show up.
Sometimes it is possible to take a traffic school class to get a traffic ticket removed. Also, it is possible to fight a ticket in court; sometimes the penalty is reduced or completely removed if the police officer doesn't show up.
Your deductible - Higher deductibles = lower premiums
Your maximum liability insurance coverage - You may be able to pay less for the minimum liability coverage, but it may be wise to get more than the minimum.
Model of car insured - The fancier the car, the more you'll pay. Expensive sport cars are often expensive to fix in an accident and thus, cost more to insure.
Additionally, flashy, red cars are more likely to receive speeding tickets than mom's boring station wagon. The safety score of your car determined by the National Highway Traffic Safety Agency also helps to calculate insurance rates.
Insured location - The location of your car is an important factor when deciding insurance rates.
Credit score - A good credit score means lower payments. Make sure your credit score is accurate. It's possible to get a free credit report online.
Type of driving - Whether you use your car for business, pleasure, or commuting can affect insurance rates. Your parking location (street or garage) also matters.
How much you drive - Obviously, it is cheaper to insure your car if you drive fewer miles
Age - Young drivers under 25 usually pay much more than drivers over 25.
Gender - Males between 16 and 25 typically pay more than females. Why?
In general, men drive more, take more risks and do more stupid things behind the wheel. In turn, this causes higher insurance rates.
However, older men pay less than older women if they have a good driving record.
Students - Often, good students are given a discount on car insurance. This is a way for those under 25 to pay lower premiums.
Car Features - Safety features and theft prevention devices lower car insurance premiums. These features lower the chances of injury and theft, and thus reduce insurance payments.
Examples include side airbags, car alarms, tracking devices, anti-lock breaks and basically anything that makes your car safer and more difficult to steal.
When purchasing insurance, the tips listed below may help you in getting lower rates.
Get different quotes. Try local insurance agents as well as online coverage.
Make sure you need the coverage - If your car isn't worth very much, it's usually a waste of money to get collision and comprehensive coverage since if you total your car you won't get paid much.
Higher deductible equals lower rates - As long as you can afford the deductible, in the long run it's usually more cost-effective to have it higher.
Having a high deductible signals to the insurance company you don't plan on getting in accidents, which makes you less of a risk.
Make sure you are protected - Many times the minimum required liability coverage isn't enough for full protection. Saving a few bucks a month might not be worth the risk of having inadequate liability coverage.
Ask your agent about discounts - If you ask, many insurance agents can get you a discount for things such as a clean driving record or good grades (if you are a student).
Don't get Personal Injury Protection - Personal injury protection means if you get in an accident, the insurance company will pay your medical bills. But if you already have health insurance, you'll be double-covered.
If you don't have health insurance, get it - now. The health insurance offered with your car insurance is usually a rip-off. The bad news: some states require you to have it.
Driver safety course - Sometimes, insurance premiums can be reduced if a driver safety class is taken. It's boring but worth the cost if car insurance payments can be reduced.
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