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Find The Best Car Insurance Price

Find The Best Car Insurance Price

Looking for car insurance savings tips? Find out how to save money on your car insurance policy

. If you're shopping around for auto insurance it's important to know how insurance companies set their rates.

The auto insurance rate you are charged will depend upon:

The type of vehicle you drive. Auto insurance companies evaluate vehicles based on their makes and models, according to their claims experience.

Vehicles with lower costs for repairs, lower rates of injury, and lower incidences of accident and theft, will receive lower rates.Find The Best Car Insurance Price


Your driving record, which includes your years of driving experience, past at-fault accidents, completed training courses, and convictions such as speeding or impaired driving.

Driving routine and frequency. The more time you spend on the road, the higher the chances of becoming involved in an auto accident.

Where you live. If you live in a busy urban area, there is greater risk for accidents and theft, thus higher rates are charged.

Your age. Costs are generally lower for drivers 25 years of age and older.

The amount of coverage you purchase. Your insurance rates will be higher if you purchase additional protection beyond what is mandatory, such as the optional collision coverage, which protects you for damage to your vehicle, regardless of who caused the accident.

The deductible, which is the portion of a loss that you are required to pay. Your deductible can vary depending on the type of coverage you purchase and the percentage of fault you are assigned in the event of an auto accident.

There are deductibles for direct compensation-property damage, collision or upset, comprehensive, all perils, and specified perils coverage. If you opt for a higher deductible, your rates will likely be lower.

The insurance company you choose. It's important to shop around because financial factors unique to each insurance company will influence your rates. Insurance works according to a "pooling" concept.

Your rates are based on the claims experience of the entire group. Some insurance companies have claims that are much higher than others.

This results in some insurance companies setting higher rates than others for the same type of insurance coverage.

If you're looking for ways to save money on your car insurance, the following useful tips will help.

Drive carefully

Drivers with no accidents, tickets or insurance claims almost always pay less for their auto insurance coverage. With a less than perfect driving record, you can find yourself paying much higher insurance premiums over the years.

Make sure all your cars are on the same policy

Most insurance companies offer a "multi-vehicle discount" for customers who insure more than one car on the same policy.

Insure both your car and home with the same company

Again, this may qualify you for a discount called the "multi-line discount." Most companies offer this discount as an incentive to get your home insurance business, too.

Ask about other discounts you might be able to get

Additional common discounts include anti-theft, winter tire, age, low mileage, occupational and auto club discounts, all of which could save you money, if they are available and if you qualify.

Increase your deductibles

The higher your deductibles, the lower your insurance premium, so raise them as much as you can. Keep it affordable though, because this amount is how much you'll have to cover if you need to submit a claim.

Get quotes if you have moved, or are moving

Don't assume your current auto insurer will continue to offer you the best rate at your new address. After moving, the best advice is to compare car insurance quotes. It's the only way to know you're still getting the best insurance rate possible.

Don't believe the myths about auto insurance premiums

Auto insurance premiums vary across insurers. In fact, each insurer's car insurance rates are so unique to them that it's likely safe to say that no two are alike.

Shop around

No two companies/policies are exactly alike. Make sure to compare quotes.

by: Tom Selwick
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Find The Best Car Insurance Price