Looking
for Cheap Auto Insurance Rates?
|
So, how much can you save? Because you have car insurance providers competing to serve you, you can save up to 30%. This means that you can have affordable coverage, from the best company, without spending an arm and a leg.
Get
the Facts
-
115 = people who die every day in vehicle accidents in the US.
-
$230,000,000,000 = amount spent each year due to auto accidents.
-
13 = Minutes between automobile deaths
What You Can Do to Find the Best Policy
-
Check the state regulations to find the minimum coverage requirements for both liability and personal injury coverage.
-
Use our online service to compare plans and weigh your options, based on your list of coverage requirements for your state.
-
Choose a higher deductible to lower your premium. Even a deductible of $1000 is affordable for most people, but it lowers your premium considerably.
-
Purchase only the coverage you need. Liability coverage will be determined by your state and should be fairly high, but collision, comprehensive and other perks should be based on the value of your car. For example, collision on an older car may cost more than you would get back if the car were a total loss in an accident.
-
Ask about fraternities and organizational benefits in your area. For example, if you are a member of AARP, some insurance companies may have special discounts just for you. If you are an "A" or "B" average student or have taken a driver's education course or a course in defensive driving, you may also be able to receive a special discount. Some companies also give you discounts if you have a safe driving record.
-
Be careful about taking an insurance policy just because it looks "cheap." These days, you often get what you pay for, so begin by checking with the Better Business Bureau. Make sure the company is legitimate before you turn over your money.
-
Talk to your local mechanic or repair shop to find out how quickly a company pays and whether the company has a tendency to adjust a claim far below the mechanic's estimate.
-
If you are under a lease, you may want to make sure that the insurance company's policies are acceptable to the dealer whom you are leasing from. For example, a policy that calls for repairs to be made with used or cheap quality parts may not be up to standard according to the dealership.
-
Check before you buy—the car that is. That classy sports car may be a head-turner but the difference in the cost of insurance between it and a more modest economy car could set you back the amount of several car payments. Also, be on the lookout for the previous year's model. As soon as the next model reaches the lot, the value of the previous model depreciates considerably.
- Be aware of safety features that not only protect you but also lower your insurance premium. These include things like air bags, alarm systems, automatic locks and seatbelts and even anti-lock breaks.
These are just a few easy tips that can have significant impacts on your car insurance premium. For example, having a driver's education certificate alone may give you a 10% discount. The allowances as well as the requirements vary from one state to another, as well as from one model car to another. Thus, don't be fooled by a deceptive "one size fits all" offer. Car insurance can be as individual as the owners.
Many of our new customers, while attempting to locate us on the web, will mistakenly misspell certain search words, i.e. auot, insurence, insurnace, etc. We are not offended by this - just happy you found us!
Copyright © 2001 - , 1stHealthInsuranceQuotes.com, All Rights Reserved
