Auto insurance tips

Auto insurance tips
- Before buying a car get the insurance quote for the model you want to buy; insurance costs may vary a lot between different cars and even between different models of the same car. - Shop around, get quotes from as many insurance companies as you can, rates vary between different insurance companies. - Consider higher deductible. A deductible is the amount you pay from your pocket before your insurance will pay should you have a claim. - If you have a low-value vehicle, consider dropping comprehensive and (or) collision coverage; If you car worth just $1500 - $2000 it makes more sense to buy another vehicle rather than repair the old one. - Ask for possible discounts - some insurance companies may offer you a discount if your car has certain safety features such as Anti-lock Brakes (ABS) or an anti-theft device, like an alarm system or an immobilizer. - Some insurance companies offer discounts if you insure other things such as your house with the same company. - Not all insurance companies offer the same level of service. Choose a reputable company, there is a web site where you can check ratings of various insurance companies. Follow this link A.M. Best - The Insurance Information Source. Ask your friend and relatives what is their experience with particular insurance company.- Shop around for an insurance quote every time before your current policy is due for renewal - your current insurer not always offers the best rate. Insurance rates vary between different companies. It's very possible that another insurance company will offer you lower rates if you switch. I shop around every year and have switched my insurance few times over last five years, which allowed me to get substantially lower insurance rates.- If you are planning to move to different place, check the insurance quote for that location first, the insurance rates may vary depending on where you live and how far you drive to and from work every day.- If you found another job that requires you to drive less to and from work, call your insurance company, they may offer you lower rates.- Avoid traffic tickets, your insurance premium may increase substantially as a result.- And finally, and most importantly, drive safely, so you will never have to use your insurance.
by Vlad Samarin