12 cut car insurance costs. By Glenn Curtis share tweets.Due to the nature of our litigious society and the rising cost of vehicle insurance rates across the country hard. The bad news is that insurance is unlikely to cut rates soon, the good news is that there are things you can do to reduce the increase and / or decrease the burden on your wallet, take a look at 12 tips you can. Drive your car to save money.
1. Many insurance, car / driver.
If you get quotes from auto insurance companies to insure a vehicle as you may end up get a higher price (per car) than if you have inquired about insuring a driver and / or. Vehicles with a company that is because insurance companies will offer a number of the lot because they want your business, and under certain circumstances, they will be happy to give you a deal if it means you are leading. the more of it
To get your discount, ask agent / insurance to see if you qualify and get a quote. In general, several drivers had to live at the same residence and are related by blood or marriage. Two people also may not be able to get a discount; But they often have joint ownership of the vehicle.
Incidentally, some companies may offer discounts if you maintain your car insurance policy with other companies (ex., Homeowners insurance), check with your agent / insurance company to see if such discounts are available and applicable.
2. clean record
It should go without saying that the more accidents or moving violations person has, the more he or she will have to pay in terms of annual premium. For those who do not know the points usually are rated controls for moving violations. In general, the more points can lead to higher insurance premiums. (All else being equal)
3. Take a defensive driving course.
Some insurance companies will give a discount for those who carry defensive driving course is approved. Also, sometimes the driver can reduce the number of points that he or she has on his or her license by driving prevention, prevention of accidents or other courses.
Be sure to directly ask your agent / insurer about discounts before you enroll. After all, it is important that efforts are spent and the cost of the course will translate into large savings insurance. It is also important that drivers register for the course to be certified.
4. Shop around
If your policy has just been renewed annually and the premium has gone up drastically consider shopping around and get quotes from competing companies Moreover, every year or two, it might make sense to. get quotes from other companies just in case there is a lower rate available.
But remember that cheaper does not mean better, and there are companies that lower prices are not always decided everything. That's because credit insurers should be considered. After all, what good is a policy if the company does not have the money to pay the insurance claim? To check on the insurers, particularly to consider checking out the sites that rate the financial strength of insurance companies (such as AM Best) financial strength of the insurance company you are importnant but what it promises. Your cover is also very important to make sure you understand your contract insurnace.
5. Use public transportation
When you register for insurance companies typically issue queries. Among the questions that might be asked the number of miles you drive per year insured.
If you use your car to travel three hours to work every day, you generally have to pay more in premiums than someone who only drives one mile per day. If possible, try to use public transportation to rack up a few miles down I know that you always have to significantly decrease your mileage before the upcoming discount. Ask your agent / insurance company about the different distances so that your efforts will not be wasted.
6. Choose your vehicle carefully.
Buy large SUV may sound exciting, but insurance £ 5000 Top-of-the-line. Vehicles are more expensive than insuring a smaller (but safe) car travel costs. There is also an old car often to insure than their more modern counterparts. Again, talk to your agent / insurance company to find out the exact rate that would insure the vehicle is different, you are considering before you buy. To learn more about choosing a powerful car the wheel of fortune in the future.
7. Increase your deductibles
When choosing your auto insurance can often choose the deductible or the amount you will have to lay out insurance before picking up the tab in the event of an accident, theft or other types of damage to the vehicle. Depending on the policy deductibles typically range from $ 250 to $ 1,000 catch is, generally speaking, the lower the deductible, the higher the premium annually. Conversely, the higher the deductible, the lower the premium. Ask your agent / insurance company how your premium may be affected if you raise your deductible. In some cases, it may be that the annual premium improved by several percent, and put some money back in your pocket for other savings may be minimal.
8. To improve your credit rating.
Save the driver's obviously a big factor in determining the cost of car insurance. After all, it makes sense that drivers who have been in a lot of accidents have cost insurance companies a lot of money. But sometimes he was surprised to find that insurance companies may consider credit ratings when determining premiums.
Why consider a person's credit rating? The theory is that those who make their financial situation in ship shape condition are likely to be more cautious when it comes to driving. Actually know that your credit rating can be a factor in a premium and fully so that your credit rating high.
9. Pay attention to where you are.
It's unlikely that you will be moved to different locations (like the state) just because it has lowered auto insurance rates. However, when planning a move to change the rate of your car insurance is something that you will want to factor the budget.
10. Drop unnecessary coverage.
Some drop coverage can be a slippery slope. After all, no one can predict when or if an accident does happen. But if the person is driving a very old car is on its last legs, it might make sense. (Depending on the cost of the individual's driving record and other factors) to reduce collision coverage. This is why a vehicle involved in an accident, the insurance company is likely to include a car. If the car is only worth $ 1,000 and collision coverage costs $ 500 per year, it may not make sense to buy it.
In any case, before making any such decision, consider talking to a financial advisor, you and your agent / insurer, remember that every situation is different, and the decision is up to you.
11. Install anti-theft device
A person has the potential to reduce insurance premiums for the year of their sometimes by as much as several percent if they install anti-theft devices agent or your insurance company should be able to tell you the device when installed. can reduce insurance premiums Car alarms and LoJacks two types of devices you may want to inquire about. If the primary motivation for installing anti-theft devices is to reduce your premiums, make sure to consider the cost of adding equipment that will result in savings significant enough to be worth it. difficulties and costs
12 Questions Your agent
It is important to note that there may be potential cost savings, the other will be in addition to the ones described in this article. In fact, that's why it often makes sense for you to talk directly with an agent or representative of your insurance company to ask if a discount to any company offering guests such as military personnel or employees. One company may have insurance "Good student" rates or other special savings you never know what sort of pricing discounts may be available for your situation. But if you ask, you may not be able to take advantage of it.
Bottom Line
The price of auto insurance is likely to continue to increase in the future. But there are several things you can do to reduce the sting and hope these 12 tips to help you drive in the right direction.
CD:http://www.investopedia.com/articles/pf/08/car-insurance-costs.asp?rp=i
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