- Listed: January 24, 2015 6:54 pm
- Expires: This ad has expired
Unfortunately, private insurance companies are always looking for ways to inflate the rates on you. Whether it’s a $1 charge for this or a $10 charge for that, the extra costs can add up in a hurry and leave you paying a small fortune for auto insurance. Find out how to combat this in the article below.
When your children leave home permanently, take them off your auto insurance policy. It can be hard to accept, but once your children move out, they’re adults and responsible for their own insurance. In the event you loved this post and you would love to receive much more information concerning cheap Temporary car insurance quotes assure visit our own webpage. Removing them from your insurance policy will save you a significant amount of money over the course of the policy.
Many states make you have liability insurance if you drive. Remember that the responsibility for carrying the legally-required level of insurance lies with you, not your insurance company. If you are uninsured and you get into a accident, you are breaking the law.
If you truly don’t use your car for much more than ferrying kids to the bus stop and/or to and from the store, ask your insurer about a discount for reduced mileage. Most insurance companies base their quotes on an average of 12,000 miles per year. If your mileage is half that, and you can maintain good records showing that this is the case, you should qualify for a lower rate.
Be extra careful when you drive so as not to be caught in a scam. Insurance rates are as high as they are due to sophisticated staged accidents which are perpetrated by criminals all over the country. Ensure that you photograph any crash scene and call the police immediately to report the accident.
Decrease your mileage to decrease your premiums. The amount of miles you drive actually has a very large effect on the amount you pay for your premium. If you can cut down the amount of miles you drive, your premiums will fall with it. Give yourself a break, and take the bus on occasion.
Never inflate your vehicle’s value when you sign up for insurance. Doing this only costs you more money, in the form of higher premiums. In the case that you would need a replacement vehicle, the insurance company would only use their value for your original car, not what you initially quoted them.
Try to dig up as much information about how a particular car insurance company handles claims. There are some out there that will get the work done on your car as quickly as your mechanic can do the work ,and there are others that will really drag their feet when it comes to paying out a claim.
Do not try to claim your car is worth more than it really is. It’s tempting to think that in case of an accident you might end up with a check larger enough to go out and buy that luxury car you’ve always wanted. It doesn’t work though because insurance companies only pay the fair market worth of your car, not what you claimed it was worth.
Hopefully, the information provided above will give you some insight into auto insurance. Use the suggestions that apply to you. Remember, accidents can and do happen when you least expect them! Protect yourself and your car with auto insurance. Make sure you have the proper amount of coverage. Cruise down the road with peace of mind!
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- Listed by: Vroland Bryant
- Member Since: October 12, 2014
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