Insure Safe Driving By Appropriate Auto Insurance Plan
This needs no explanation and many people do it
.Do get a copy of your driving record
Have a copy of your drivers license record before shopping for car insurance. Many of us have errors in our driving report that drive up our auto insurance rates. In the newspaper, a clerk of the court admitted they had a 20% error rate, and said it was normal. Just like your credit history determines your car loan approval, your driving record determines how expensive your auto insurance will be.
Car Insurance Discounts
Everyone wants a dicker, especially as car insurance arises every year. There are discounts if we can live up to some basic measures. Make sure you consult your insurance agent if you qualify for any of these discounts.
Auto Insurance Discounts You May Qualify For
Automatic Seat Belts
Automatic seat belts are those annoying belts that choke you when you close the door. Some companies might discount up to 30% off Personal Injury Protection and Medical Payments coverage if the driver and passenger sides have air bags and automatic seat belts.
Anti-theft/Alarm
Some companies offer discounts off the Comprehensive premium when an active anti-theft device is present. This usually is a yegg alarm. Some companies may discount more if the alarm girds itself automatically when you turn out the vehicle.
Driving School
Some companies give drivers who are under age 25 and complete a state sanctioned drivers' education class, up to 10% off on Bodily Injury, Property Damage, Medical Payments, Personal Injury Protection and Collision coverage.
Safe Driver
Sometimes if you're a safe driver, usually 3 years with no points, you qualify for additional savings on different types of coverage. The insurance company will let you know. Usually on your insurance bill you'll see something that says "Your premium reflects the maximum discount allowed for safe driver".
Multi-Car or Home & Car
Try to use same insurance policy for your all the cars and for home as well. If you'll use same policy for 2 cars they might give you discount and they could be more generous if you have both your cars and home insured by them.
Safe Vehicle
Some insurance companies classify certain cars as "Safe Cars", meaning there's statistical data to suggest that there's less risk of injury by way of design, air bags ABS, etc. Find out if your car qualifies for this discount.
Choosing the Right Insurance Company
You now have most of the information you need to make a decision. However, there is something more to consider. Is the insurance company reliable?
Check the insurance company's credibility by considering following points:
*Visit your state's department of insurance and check consumer complaint ratios and basic rate comparison surveys.
*Consider the insurance companies recommended by the local body shops and dealerships you trust.
*Check financial stability ratings for an insurance company by referring to the Standard & Poor's ratings.
*Look over J.D. Power and Associates' consumer satisfaction surveys reviewing auto insurance companies
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