- Listed: January 13, 2015 6:24 am
- Expires: This ad has expired
Auto insurance seems like it should be easy, given the constant bombardment of commercials and ads screaming free quotes and instant proof of insurance. If you cherished this article so you would like to collect more info relating to commercial van insurance generously visit our page. Yet, if you’ve ever really looked at your policy or had to deal with an auto insurance company, you know it’s anything but simple. Read on to learn a few tricks that can make this area of your life easier.
Saving money on auto insurance does not have to be a difficult thing, especially if you are loyal to the same company. Most policies are only for a term of around a year, so make sure you re-up with the same company. If you show loyalty to the insurer, you will be rewarded with lower monthly premium payments.
Make the most of any discounts your insurance company offers. If you get a new security device, be sure to tell your insurance agent. You may very well be eligible for a discount. If you take a defensive driving course, be sure to let your agent know. It could save you money. If you are taking classes, find out if your car insurance company provides a student discount.
If you can decrease your annual mileage, you can expect a decrease in cost for your automobile policy. Insurance companies normally estimate that you will drive around 12,000 miles per year. If you can lower this number, or are someone who does not drive that far that often, you may see a reduction. Be sure that you are honest about your miles since the insurance company may want proof.
Get your insurance quote before you buy a vehicle. This way, you will know in advance how much everything will cost altogether. Find out if buying a slightly different car will change your rates. Every little bit helps, and if you can walk away with a car that has lower rates, you would want to do so.
When you get older, you will want to have your vision checked regularly. Some states have made mandatory eye testing a requirement for a senior license. This will keep you and the others around you a bit safer; even if your state does not require the test, be safe and have it done on your own.
If your car is insured with multiple drivers and one of them stops using the car, notify your insurance company immediately. It is the honest thing to do. More importantly, it can reduce your premiums significantly in many cases. Young drivers, old drivers, and drivers with bad records all boost your premium. Get them removed from your policy as soon as you can.
You can save money by increasing your deductible in case of collision. This means you will pay less every month, but will pay a more important part of the repairs if you get into an accident. If this is a risk you are willing to take, put some money aside.
Avoid auto insurance extremes. You can definitely be hurt by a lack of adequate insurance. Even more costly is being over-insured. Many people pay for coverage they can not ever possibly need. The result can be a huge drain on your budget. Evaluate your car insurance coverage and rates annually.
Having more vehicles than one needs is a way to pay more than one needs to be paying for insurance. By selling or storing cars or anything else that one does not use often they will no longer have to pay insurance on that vehicle. It will save them money off their insurance.
Take advantage of multi-car discounts! If there is more than one car in your household, consider purchasing all of the auto insurance policies under one insurance provider. Insurance companies typically offer large discounts on annual premiums, when you take out more than one policy with them.
When looking into auto insurance, especially, if you are looking to save money, you should check to see if your prospective insurance carrier offers multiple-policy discounts. For example, if you have health insurance with a company, see if they offer auto insurance as well and if it is offered with a discount. Sometimes, this discount can be 10 percent or more.
Take advantage of any discounts that your insurance agency offers. Get a list of discounts from your agent and go through them to see what you qualify for. Many insurance agencies offer discounts for taking a defensive driving course, or for students, maintaining an A average in school. The more you can save, the better off you are.
Now that you’ve read this article, you should have a better understanding of auto insurance, so you will be more confident when you make decisions about coverage. Knowing about the best choices out there is a good way to remove confusion when shopping for car insurance.
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Information about the ad poster
- Listed by: Charlotte
- Member Since: October 12, 2014
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