subject: How to Save on Auto Insurance? [print this page] Here are some effective ways to get cheap auto insurance:
Have some research: Before getting a new policy, go shop around and get some three or four quotes. This will help you to find auto insurance at the cheapest rate. You should study the quotes very carefully because each auto insurance company has their own quote which is different from the other and if possible talk with insurance agents to get some ideas about the policy. And select the best.
Keep your insurance: You should maintain your insurance properly by paying the premium in the right date. This is because it will be very difficult for you to claim insurance if your insurance policy expires.
Increase your deductibles: Having a higher deductible is always good because it helps to reduce your premium. For example, if you increase your deductible from $200 to $500 then you will get up to 15% to 30% discount.
Insure the vehicle that you drive: Don't take insurance for the vehicles that you don't use. If you insure the vehicle that you don't drive, you can be fined and it causes some serious effect so avoid it.
Take a long term policy: If you get a short term policy, the premium for that will be more. So getting a long term policy is always a good idea because it has affordable installments.
Take some driving course: Many companies offer driving courses and these courses have different levels. These courses are very useful especially for kids.
Safe drive: If the accident is because of your fault, then you have to pay high insurance premium, for about 3-5 years which is very hard. So it is always better to drive safely to avoid accidents.
Avoid tickets: Tickets for high speed and other driving violations can increase the rate of the insurance. So be very careful.
Maintain good credit: Depending on certain factors, such as where you live in, your credit history, most of the insurance companies decide your charge, for example if you have bad credit they will charge more and if you have good credit you may get a discount.
Drive only if it is necessary: There are some insurance companies which offer a discount to their customer for driving less, for example if your annual mileage is less than 5000 then you will get 10% discount, and if it is less than 7500 then you will get up to 5%.
How to Save on Auto Insurance?
By: Zachary Willard
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