mercator whittier: Tips For Getting The Most Out Of Auto Insurance

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Posted by Administrator on Feb 16, 2013 in Uncategorized | Comments Off

Everyone who owns a car must buy auto insurance. Getting insurance for the first time can seem a bit overwhelming. You want an insurance policy that covers your requirements and is cost effective. You?ll want to make sure you have the right coverage for your age, driving conditions and vehicle. There are useful auto insurance tips in this article.

Try dropping some of the coverage you do not need. If you have a car that is not of high monetary value, you may just want to cover your car with liability insurance. Cancel that expense and you could save a significant amount of cash. You should also think about dropping your comprehensive and liability coverage.

Most companies offer reductions in your premium for certain things. Ask your agent about these and see if you qualify. Most companies will offer breaks to someone who drives 7,500 miles or less each year. Also, you may pay a lower price if you use public transportation. Try carpooling if you can?t do that.

TIP! You might want to check with auto body repair companies in your area. See if they recommend certain insurers.

Try to get several quotes before deciding on insurance. Different companies use different formulas to determine your premium. When you check out several options, you will end up saving money.

You don?t have to ditch the idea of a sports car based on the mistaken impression that it necessitates higher premiums. In fact, only a few sports cars have high premiums. You may want to check with your insurance company to see which ones are the most affordable.

You should always review your policy before you renew it. Always stay up-to-date on new information. If you have changed jobs, you may save money if you are driving less to and from work.

TIP! Not all insurance companies are alike, but if you have a less than perfect record you will obviously pay higher premiums. Certain insurance companies are willing to help drivers that have a less-than-perfect driving record.

Insurances companies, as a rule, are all different. If you?re not satisfied with the quote you?ve been given, shop around and see what prices competitors are offering.

Another thing to check on is whether your coverage applies to a rental car. If your current plan does not cover a rental while your main vehicle is being repaired, you will need to purchase supplementary insurance. A policy like this can cost an additional $20 every day that your car is in the shop. Supplementary rental car coverage during the time it takes for your car to get repaired can cost you about 20 dollars daily.

TIP! An insurance company has time to decide if you are a liability to them as well. The insurer uses this time to look over your record, and make sure you?re not too high risk for them to insure.

In the unfortunate case of an accident that you have to file an insurance claim for, remember that your insurance company loves documentation. Use your cell phone to take pictures and record video of the damage caused by the accident and the location where it occurred. Another option would be to keep a camera with you all the time just in case you should need it in an emergency like this.

The best way to save money on your auto insurance is if you are a safe driver. If you drive well and do not get tickets, there is a good chance that you will qualify for a discount for being a good driver. Driving poorly is a good way to lose a lot of money. Demonstrating a safe driving record can lower your car insurance premiums.

Think about driving a car that isn?t so sporty. Insurance companies charge higher rates for insuring a sports car. Pick a small, less flashy, economical car. Vehicles with larger engines are more expensive to insure. Sports cars are at greater risk of theft, which further raises the cost of insurance.

TIP! Sometimes being a part of a well-known organization can help you get discounts on an auto insurance policy. AARP or some credit unions may make you eligible for auto insurance discounts.

As mentioned, before you buy insurance, it?s important to learn about the insurance you need and to do thorough research. If you know enough you should find insurance at a good price. Use the advice from this article to look for and purchase the auto insurance that is right for you.

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