subject: Use These Tips To Get The Cheapest Auto Insurance [print this page] You need insurance if you own a car. Even though everyone needs it, not everyone needs, or gets, the same kind of car insurance. You can pick an insurance plan that suits your particular situation. Take time to read any information available about auto insurance to help you get the best deal available for you.
Increasing your deductible levels can be an almost painless way to keep your car insurance premiums low. Frequently, insurance companies will charge lower premiums if your deductible is higher because you will probably not file a claim for small amounts. However, be aware that with a higher deductible, you have a higher out-of-pocket expense should you have a reason to file a claim.
Take a look at your vehicle's insurance policy to make sure it is accurate and up-to-date. Keeping your information current is very important. Is the address listed for your home correct? Look at the year, model and make of the car listed to make sure it is right. Your premium can be affected by the mileage you estimate yearly; make sure your policy reflects this.
People who don't drive much, or those that don't have to drive very far to work, may be able secure a premium reduction. In order to qualify for the discount, a general rule of thumb is to keep your annual mileage under 7,500 miles. You may also qualify for a commuter rebate by taking public transit to work instead of driving.
The history of your driving record will play a huge role in the price of your car insurance. When they expire, though, your insurance rates will go back down. Once tickets and points are eradicated from your driving record, you should obtain new car insurance quotes.
Be careful to never lapse on your coverage since this could increase the amount you would have to pay for your auto insurance. Gaps in insurance coverage could happen when you switch carriers or even just switch policies. Insurance companies will use the gaps as an excuse to raise your rates.
Some insurers offer a "geezer discount" to people who are over 55 years of age and take a course to bone up on their driving skills. Potential 10% off your total cost of insurance is a great benefit.
What kind of car you have greatly influences what insurance you should buy. If your car is a older model, you should not need as much insurance as if you drive a newer car. You should also be aware of what your vehicle's theft rate is. The more likely it is that your vehicle will be stolen, the more you should think about paying for comprehensive insurance.
Don't rule out buying a sports car because you've heard the oft-repeated advice that the insurance premiums are too high. Many sports cars do not have a higher premium. You may want to check with your insurance company to see which ones are the most affordable.
Let your insurance agent know if you see a lower rate and are thinking of switching. A repeat customer is valuable in business, and your current agent is likely to cut his or her own quotes to match others and keep you on board.
The amount someone pays for car insurance varies from person to person. It is not only because of different cars or conditions. Certain people can pay less money for the same or better coverage. Just learn tricks of the trade to save some money.
by: Julia Legrand
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