Jan 1, 2013

Auto Insurance Selection Tips For Your Family

Motor vehicle coverage is for more than just the body of your car. It protects you from liability if others are harmed by your car. It covers all kinds of car expenses due to loss or damage. When buying car insurance, it’s important to make sure your policy meets and exceeds your expectations. Using the following tips, you can get an affordable insurance plan that provides all the coverage you need.

Do not automatically accept an offer from your insurance company to provide a warranty on your auto repair parts. Most manufacturers replace defective parts, and most garages guarantee their repair work, parts included. Do your research to find out if there is any kind of guarantee, before you spend any money on a warranty that isn’t necessary.

TIP! Do not buy your teenager a car. Rather, encourage them to use a car that is already owned by the family.

In most states you are required to have a liability insurance in order to get your car on the road. You have to know whether your state requires insurance, and what kind of insurance it requires. You also have the responsibility to adhere to your state laws. Being involved in an accident is bad enough, but if your insurance doesn’t meet state requirements, you have extra legal trouble on top of any damage you have to deal with.

Before you buy a car think about the cost of your monthly insurance rates. Keep in mind that safe cars are viewed favorably by insurance companies. Most sports cars are not considered “safer vehicles”. This cost difference should be taken into account when you decide on a car.

You may be qualified for a discount if you drive infrequently or have a short commute. In most cases, you are eligible for this discount only if your yearly mileage does not exceed 7,500 miles. If you choose to take the subway to work rather than drive, this could also mean a discount. Ask your agent about it.

TIP! Determine what your needed coverage for a car insurance policy is before you actually purchase a policy. There are many different levels of coverage, and it can be confusing having to decide how much you need.

Keep receipts and records of any extra parts you put on your car. This makes for proof in case there is damage done to your vehicle or a theft occurs. If you’re considering costly after-purchase upgrades to your car, check first that your insurance policy will reimburse you if they are stolen or damaged.

The type of vehicle you own plays a huge role in the amount of money you spend on insurance payments. If you want to buy a more expensive vehicle, you are going to end up paying more for your insurance. To save money on insurance, purchase a vehicle that is safe and modest.

Sports Cars

TIP! If you sell a vehicle, or no longer own it for whatever reason, have it dropped it from your insurance policy that same day. Having insurance on something you don’t have or use can be costly.

Think about buying an economy sedan and getting rid of your sports car. People who purchase sports cars end up paying higher premiums. A car with a lower profile on the street will be a better decision. The larger the motor is in the vehicle, the more that it is going to cost you to insure it. Sports cars are at greater risk of theft, which further raises the cost of insurance.

When the time comes to purchase an automobile, find out what the insurance rates are on the models that you are considering. Insurance company agents can give you a list of cars which have the most economical rates. This can assist you when selecting a vehicle, whether it’s new or slightly used. By purchasing a car that has a good safety rating, you can save a lot on your car insurance.

Look again at your current auto insurance policy with the above advice in mind. Checking your policy using the guidance above will help you make sure that you are not paying for coverage that you don’t need, but protecting yourself with the kind of coverage you do need.

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