subject: Surefire Tips To Lower Your Car Insurance Premiums [print this page] Nobody likes buying auto insurance. It's one of those accepted evils of society. Of course, nobody wants to get pulled over and not have any coverage card to show to the police. That will get your driver's license taken away, and you'd have to take the bus everywhere. That is no fun. Even worse, if you get into an accident without having insurance, you could be in serious financial trouble. So most people are resigned to find the cheapest insurance they can find, and hope it's good enough. But the truth is that with a little planning and some shopping skills, you can likely get insurance for cheaper than you think. And that's just what you are going to learn in this article.
One thing most people aren't aware of is the discounts that you can get. There are plenty of discounts when it comes to coverage. For example, if you are a good student, you can likely get a discount. If you pay your bill all at once, instead of paying it every month or two, then you can get a discount. Just ask your agent for some discounts. Because he or she works off of commission, they are bound to help you get a cheaper rate.
Another way to save some cash is to shop around. Once you've figured out what kind of insurance you need, just shop around and get the cheapest price. Companies are always in competition with each other, and are always offering deals and incentives to get people to switch companies. By playing them against each other, you can get some pretty good rates.
Of course, everybody wants to get the cheapest amount. So figure out how much coverage you are comfortable with, and then find out the absolute minimum required by law. Always get quotes for both amounts. Find out if the difference is worth getting that extra coverage.
Sometimes you can get by with liability only insurance. This is to protect you against financial calamity if you hit somebody else. If you crash your car into a tree, you won't get anything to pay for your car. It's the absolute cheapest, but it won't get you very far.
Sometimes if you sign up online, you can get a discount. This is because they don't need an agent to sit with you and explain everything to you. By getting insurance online, you may be able to save some serious cash.
Now that you've got some ideas on how to save some money, it's time to put it into action. Just keep on shopping around until you find what you're looking for. Happy hunting.
by: Winston Takeda
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