Apr 4, 2013

Auto Insurance Tricks That Everyone Should Know

Shopping for car insurance can be quite a process. It is important to be well informed when purchasing insurance so that you are not over or under-insured. The following tips are offered to help you make a smart purchase when it comes to insurance for your vehicle.

Maintain records with proof of all payments made to your insurance company. If you run into a problem, you will have the proof you need to show that you indeed do have insurance coverage.

TIP! Because car insurance rates change depending on where you live, you might want to consider where you are planning to move. Insurance rates will depend upon if you live in a large city or in a rural town.

Many employers offer group insurance discounts to employees, which can save you money. There are some employers who work with insurance companies to get lower group rates. Sometimes discounts are higher for those who have worked at the company longer. If they have no special group plans, suggest the possibility to them.

It’s a good rule of thumb to research your auto insurance each time you renew. Always supply your insurance company with accurate information. Changing jobs may mean that you save money on driving to work.

Drive Less

TIP! If you want to get a cheaper car insurance rate, try increasing your FICO score. It’s amazing to think that any insurance company would check your credit at all! Statistically, those with poor credit scores often get into accidents more often.

People who drive less are often rewarded with lower insurance premiums. To qualify for the low mileage discount, most insurance companies require that you drive less than 7,500 miles each year. Taking public transportation instead of traveling by car to and from work may also qualify you for a commuter discount, so be sure to check this out.

It is not wise to delete collision coverage from an insurance policy. While it may lower the premium cost, if there is an accident and you are to blame, the repair bills will be coming out of your personal pocket. Be sure that you can afford to pay for an expensive repair in full before dropping collision coverage.

Don’t let a single ticket or accident sabotage your auto insurance premium. You can work to get your rates lowered. Some insurance companies allow you to reduce your rate after completing a course that addresses tickets or accidents. Some insurance companies, such as Progressive, will install a chip in your vehicle temporarily that allows them to monitor your driving habits. When you have proven that you are a consistently safe driver, you will get a lower rate.

TIP! Paying your entire insurance policy upfront is often an available option. Many companies charge a service fee when you want to make monthly payments.

Research before getting a warranty on parts from your insurer. The majority of auto manufacturers and repair shops provide a warranty on their work. Don’t spend money on a warranty that means nothing.

Know what kind of coverage your insurance company has to offer. There is more involved in the cost of your insurance policy, than just the number of cars you have covered. For example, bodily injury coverage is important, as it covers any injury that is your fault in case of an accident.

One way you can bring your car insurance costs down is to accept higher deductibles on your policy. Insurance companies will often charge you less if you choose a policy with a high deductible. You are less likely to file a claim for small amounts when your deductible is higher. You always need be prepared to pay your higher deductible if you have a reason to file the claim.

TIP! Be cautious when you are on the road to keep your car insurance premiums low. You will qualify for more and more good driver discounts, if you can avoid accidents and tickets altogether.

As you would probably agree, auto insurance is a bit more complex than some people think. It is necessary to be properly informed so that you can improve your car’s protection. By using the tips in this article you’ll be able to make a wise decision when choosing your insurance policy.

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