Auto Insurance
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Save Money on Your Auto Insurance
By: Fisher Swanson
In nearly every
state you have to purchase auto insurance if you drive. Here are
some tips for spending less on auto
insurance and getting the most for your money.
Ask Around
Ask people you know and trust what insurance
they use. Find out if they have ever filed a claim and how smoothly
it went. Really cheap insurance doesn't amount to much if they offer
horrible service.
Get Multiple Quotes
Get 3 or 4 quotes from different insurance
companies. Write down as much information as possible about each
insurer. If the agent or representative is not willing to answer
your question it's probably not a good company to buy insurance
from. Don't buy from the first insurance company you call!
Check Your Credit History
Some insurers factor in credit history when
they calculate their rates. Unresolved issues in your credit history
could affect your insurance rates.
Pick Your Car Wisely
The cost of the car, make and model (sometimes
even the color) will affect your insurance premiums. If you are
buying a new car be sure to check with your insurance company to
find out what the insurance for that car will be. If you have an
older car and are not financing you can get by with less insurance
and save a lot of money.
Ask About Discounts
Ask if there is a safe driver discount if
you have a good driving record. If you don't drive much ask about
a low-mileage discount. Here is a list of discounts that Insurance
Information Institute (www.iii.org) recommends asking providers
about.
- $500 deductible
- $1,000 deductible
- More than 1 car
- No accidents in 3 years
- No tickets in 2 years
- Drivers over 50-55
- Driver training course
- Defensive driving course
- Anti-theft device
- Low annual mileage
- Air bag
- Anti-lock brakes
- Daytime running lights
- Student with good grades
- Joint auto and homeowners coverage
- College students
- Long-time customer
- Other discounts
There are a lot of discounts that may be
available to you but you often have to ask to get them. Create a
table with the list above for when you call around. You can find
a printable table at http://www.thriftyfun.com/downloads/auto.html
to help you keep track of the insurance companies you call.
Accident Prevention Course
Some insurance companies offer reduced premiums
if you complete an accident prevention course. Some insurance companies
offer as much as a 10% discount.
Reduce Your Coverage
If you are buying your car on time you will
be required to have comprehensive coverage but the day that you
pay it off you can reduce your coverage and save a lot a money.
Less insurance brings more risk but if you are a safe driver the
odds are that you can get by with liability and uninsured driver
insurance.
Last But Not Least
Drive safe and watch your speed.
You can find more Auto
Insurance Information here
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