subject: Tips On Buying Inexpensive Auto Insurance [print this page] With the cost of auto insurance becoming more of an issue during economic stress, there are increasing numbers of people looking for good deals. While nearly everyone knows that car insurance companies are not all equal, buying less expensive insurance is fine so long as the carrier makes good when handling a claim.
Once having found an insurance broker that offers discount rates, dont just take the cheapest quote available. First, find out a little about the insurance company that is offering such low rates and see if it really is a good deal.
Theres also ways to reduce the cost of insuring a car even with the best of companies. Here are some tips for those looking for bargains to help reduce the cost of coverage without compromising other things.
Tips on how to find the best price
1.Look at the deductible amount
This is the amount that the driver or owner of the car will pay first out of any claim. The cost of the policy is directly related to this amount. Many people who have had their insurance policy for a long time might consider, if having a good driving record, increasing their deductible, which can save them money.
2.Certain types of cars attract higher car insurance rates
Cars such as sports cars and also certain makes and models that are prime theft candidates cost more to insure. If buying a car, find out which makes and models these are before making a purchase.
3.Drive carefully
The cost of any policy is determined by a drivers risk profile. Anyone having too many accidents or tickets in a single year will have these things taken into account by an agent. There are, however, safe driver discounts available to good drivers.
Having a car that is safer and less at risk of theft will often be cheaper to insure. Be sure to inform the company about them.
5.Examine the policy at renewal time
There are some things that can vary in a policy that will affect the cost. Be critical, look carefully, and ask questions about what exactly the policy is covering before renewing.
6.Many insurers offer a discount for multiple policies
Find out what discounts may be offered by adding a car insurance policy with the same insurer. Anyone in the market for a deal shouldnt just accept that auto insurance is always prohibitively expensive. Now is the time to get out there and do some research.
by: KellieM.Atkinson
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