Auto Insurance Basics: What You Need To Know

Auto Insurance Basics: What You Need To Know

Finding the best auto insurance can be tricky. Knowledge is your best line of defense in getting a good deal. In this article, we will provide some tips to help you to make decisions that are right for you:

Auto Insurance

One way to reduce the cost of your auto insurance is by driving less. Most auto insurance companies offer discounts for drivers that use their vehicles less than 12,000 miles in a year. However, do not be tempted to lie about your mileage, as your auto insurance company might request proof if you need to file an accident claim.

Car Insurance

Knowing what coverage you have with car insurance can help you to understand what exactly you’re paying for. Things like collision coverage can cover damages to your car but only up to its book value. This kind of insurance carries a deductible. Your premium will be higher if you choose a low deductible.

Be sure to keep your car secure. Keeping your car garaged, having a security alarm system, using a locking device on your steering wheel, having a professionally installed tracking system and living in a safe neighborhood are just a few of the ways you can save some money on your car insurance. Be sure to ask your agent how you can get discounts on your insurance rates with good security measures.

Car Insurance Companies

Lower your car insurance premiums by taking a safe driver class. Many car insurance companies will offer a discount if you can provide proof of completion of a safety driving class. Taking, and passing, such a class gives the insurance company a good indication that you take your driving skills seriously and are a safe bet.

If you’re planning to, or just got married, call your insurance company for a discount. Drivers who are married tend to drive more safely, especially if they have children in the car. Insurance companies often will give you a discount once you tie the knot, due to your better driving.

Car Insurance Online

Buying car insurance online can help you find a great deal. Insurance companies often provide a discount for online applications, since they are easier to deal with. Much of the processing can be automated, so your application doesn’t cost the company as much. You may be able to save up to 10%.

Shop for your car insurance online. Shopping online for car insurance can save you, on average, 5% to 10%. It saves you money because it saves the insurance provider money. Doing things online is just less expensive from all angles. You can even shop around and compare rates much easier.

Cheap Auto Insurance

If you want to get cheap auto insurance rates one of the things that you can do is to build up your reputation as a safe driver. If you had no claim in 5 five years, your insurance can be reduced by as much as 75 percent. Insurance companies will give you lower car insurance rates if they know that you can stay away from accidents.

Although it is true that finding insurance can be tricky, it is not impossible! Use the tips provided in this article to help you make the right decisions regarding auto insurance. Remember, knowledge is your best line of defense in getting a good deal.…

How to Keep Your Auto Insurance Cheap

Sometimes our expenses can be more than our income and we find ourselves scrambling to make ends meet every month. You try to find ways to cut back and save money but there are some expenses that you simply can’t cut out altogether, like auto insurance.

Each state law will vary on just how much auto insurance you are required to carry but across the board, it’s illegal in all states to go without insurance. Now, it is easier than ever for a policeman to see if you have insurance or not.

They don’t even have to pull you over anymore to find out if you have insurance or not. They simply have to pull behind you, run your license plate and within seconds they will know whether the car you are driving has auto insurance or not. If you are caught driving without auto insurance you are more than likely going to get a ticket and no insurance tickets usually run anywhere from $250 -$350 and if you get more than one of those tickets, they can and will suspend your license.

So, now that we know we can’t go without automobile insurance lets looks at some simple tips that will help you keep your premiums as low as possible and achieve your goal of cheap auto insurance.

Increase Your Deductibles

If you are looking to decrease your monthly premiums, then you can increase your deductible amount and your monthly premiums will go down. Deductible amounts are usually $250, $500, $1,000, $2,000 and $2,500. The deductible amount is the amount of money that you are responsible to pay in the event that you file a claim.

For example, if your car needs repairs due to an accident, and the total repair bill is $3,000, and your deductible is $500, then you will have to pay the $500 dollars when you pick up your car and the insurance company will cover the other $2,500. Having a higher deductible will decrease the amount you have to pay monthly but if you ever file a claim make sure you have the deductible amount available in your bank account or you won’t be able to pick up your car when the repairs are finished.

No Rental Car Reimbursement

All insurance companies off rental car reimbursement but this will also make your monthly premiums increase significantly. Rental car reimbursement or rental car coverage is when the insurance company provides you with a rental car while the repairs are being done to your car. Sure, it’s nice to have this coverage if you are ever involved in a wreck but it’s not mandatory and denying this coverage will help you have a lower monthly cost.

Put Your Seat Belt On & Don’t Speed

Anytime you are issued a violation, whether it’s a moving violation or not it can and will make sure insurance increase. Speeding tickets and at-fault wrecks are the number one things that will make your monthly insurance payment go sky high.

Just one speeding or one at-fault wreck could increase your monthly payment amount around fifty to sixty dollars per month. That is a huge increase when you are trying to decrease your expenses. Therefore, always remember to put your seatbelt on when you get in the car and make sure that you pay attention to your speed at all times.

These are just some simple tips and suggestions to help you get cheap auto insurance but of course, only you know what’s right for you and your situation.

Don’t Settle For Inferior Auto Insurance – Read These Tips!

Don’t Settle For Inferior Auto Insurance – Read These Tips!

Having auto insurance is very important; it can save you from having to pay costly repairs if you damage your, or someone else’s, vehicle. There are many options available to insure your vehicle. This article will give you tips to help find the auto insurance that is right for you.

Auto Insurance

It is a common misconception that the cost of auto insurance automatically drops as the driver reaches 25 years of age. Actually, rates decrease beginning when you are 18 as long as you do not have any blemishes on your driving record.

In order to reduce the cost of your auto insurance policy, consider limiting the mileage you drive each year. Many insurers offer discounts for policyholders who do not spend a great deal of time on the road. It is important to be truthful when making claims of reduced mileage, however, as it is not unheard of for insurers to request proof of your driving habits in order to justify the reduction in price.

Car Insurance

To make sure you are getting the best deal on your car insurance, get quotes from at least three different insurers. You can choose to deal with individual insurance companies or you can go to an insurance broker, who can represent several companies and get you quotes from each one.

Young drivers can save money on their car insurance if they register an older driver as a part-time user of their car. There is no group of drivers subjected to higher insurance premiums than teenagers. However, insurers will be encouraged to see an older, more responsible driver sharing the driving duties with a teenager. They will reduce premiums accordingly in such a situation.

Car Insurance Companies

If you’re planning to, or just got married, call your insurance company for a discount. Drivers who are married tend to drive more safely, especially if they have children in the car. Insurance companies often will give you a discount once you tie the knot, due to your better driving.

Car insurance companies base their rates on events like cars being stolen. Installing alarms, trackers and/or immobilizers could lower your insurance rates more than you might think. The lower rates create a reduction in your insurance premium and with time the installations will more than pay for themselves.

Car Insurance Online

Buying car insurance online can help you find a great deal. Insurance companies often provide a discount for online applications, since they are easier to deal with. Much of the processing can be automated, so your application doesn’t cost the company as much. You may be able to save up to 10%.

Shop for your car insurance online. Shopping online for car insurance can save you, on average, 5% to 10%. It saves you money because it saves the insurance provider money. Doing things online is just less expensive from all angles. You can even shop around and compare rates much easier.

Cheap Auto Insurance

If you want to get cheap auto insurance rates one of the things that you can do is to build up your reputation as a safe driver. If you had no claim in 5 five years, your insurance can be reduced by as much as 75 percent. Insurance companies will give you lower car insurance rates if they know that you can stay away from accidents.

As stated at the beginning of the article, having auto insurance can save you from paying for costly expenses in the event of an accident. With so many options available it can be hard to choose the best one. Hopefully the tips from this article will help you find auto insurance that is right for you.…