Looking to get a cheap insurance rate? Here are the top 10 money-saving auto insurance tips that will save you a bundle on your auto insurance.
1. Consolidate Your Policies
Placing your homeowners or renters insurance and your auto insurance with the same insurance company can save you 5% to 15% on you insurance premium. Plus, you’ll only have one company to deal with.
2. Increase Your Deductible
The deductible is the amount of money you have to pay toward a claim before your insurance company will pay. By increasing your deductible you’ll lower your insurance premium. Increasing it from $200 to just $500 can save you up to 30% on your auto insurance.
3. Get Safety Discounts
Most insurance companies will give you a discount for having safety features like air bags, anti-lock brakes, and automatic seat belts.
4. Get Security Discounts
You can get a good-sized discount for having a car alarm, anti-theft device, or electronic disabler installed on your car.
5. Get Low Mileage Discounts
Most insurance companies will give you a low mileage discount if you drive your car less than the average driver.
6. Ask About Other Discounts
Insurance companies offer all kinds of discounts – senior discounts, safe driver discounts, driver education discounts, good student discounts, military discounts, and law enforcement discounts. Ask your insurer about all the discounts that are available to you and have them included in your policy.
7. Buy a Low-Profile Car
Cars that cost a lot to repair, like high-end sports cars, and cars that are targeted by thieves, cost a lot more to insure than less expensive late model sedans.
8. Maintain a Good Credit Rating
Believe it or not, your credit rating is now used by some companies to rate your insurance premium. To lower your premium, take a look at your credit rating and see if you can improve it, or choose a credit company that doesn’t use credit ratings to judge insurance risk.
9. Drop Collision and Comprehensive Coverage
Collision coverage pays to repair your car when you’re in an accident, and comprehensive coverage pays for repairs caused by fire, vandalism, and severe weather. If your car is worth less than your premium plus your deductible, it’s probably not worth carrying collision and comprehensive coverage.
10. Compare Rate Quotes
Because insurance rates can vary by hundreds of dollars from one company to another, comparing quotes and choosing the cheapest one is the best way to save money on your auto insurance. Rather than spending hours of your time calling companies on the phone or going to their websites, go to an insurance comparison website where you can get quotes from a number of companies in a matter of minutes.
Visit http://www.LowerRateQuotes.com or click on the following link to get auto insurance rate quotes from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section, and get answers to your questions from an insurance expert by using their online chat service.
By: ryan@thesatellitetvguide.com
Posts Tagged ‘Seat Belts’
Top 10 Money-saving Auto Insurance Tips
January 28th, 2010Auto Insurance Discounts in Colorado
January 3rd, 2010The auto insurance in Colorado from a physical injury and from damage of the property can be bought as one scope or separately. According to the law the admissible minimum of such auto insurance Colorado makes 65 000 $. The all-round insurance and the auto insurance from collision are not obligatory in Colorado. You should not cover medical payments independently. Your auto insurance company in Colorado should offer you uninsured/insured for the low sum scope of the owner of the car equal to your auto insurance from a physical injury or 100000 $ on the person and 300000 $ for accident. If you wish to take the car in rent, it is necessary for you to check up the agreement of the lease agreement.
The majority of the companies has an opportunity to give to you discounts for auto insurance Colorado. Here which the auto insurance company in Colorado can offer you some discounts.
The discount for some vehicles. Many auto insurance companies offer owners of several cars such discount. It is favourable both to you and for the company because it is easier to them to deal with which people they know. In such a way they reduce the risk and save your money.
There is a system of discounts if the owner of the car has passed rates of formation of drivers. The auto insurance company should provide system of auto insurance discounts for people of elderly age. The driver should support the report on movement by way of, not have any offences, differently it can lose system of auto insurance discounts. Still there is a student’s discount. It provides students which well conduct the car, Would have a category and are very responsible. The system of discounts is given in case if in your car there is a good system of safety is established. It helps to prevent accidents and to limit their gravity. Air pillows, seat belts concern to such equipment. Discounts are not only way of attraction of clients, but also means for the company for maintenance of competitiveness.
By: Eden Ali
Auto Insurance Safety Tips California
December 5th, 2009Drive Safely.
Statistics have shown that drivers between age 15-20 have been accounted for causing about 14 percent of all deadly automobile accidents. Actually, the same age group have also accounted for 30 percent of dead drivers who have been killed in automobile accident under alcohol influence.
It can be very scary being in such a very high group of risk, but safe driving is one of the auto insurance safety tips that are realizeable. Your road protection is very easy if you understand the rules of driving safely, and how to expect unexpected road hazards. California auto insurance companies will want drivers to consider the safe-driving guidelines listed below for your protection from being a part of another deadly statistics:
- California auto insurance companies advises to move at the limited speed and reduce your speed during night driving and road situations like rain, snow, ice, or fog.
- Have a defensing driving mind. Be on the watch for pedestrians, animals, other drivers, cyclists, and properties.
- Keeping a safe gap between your car and the one in front of you is one California auto insurance companies advise. Be careful, no one loves a tailgater.
- Always use seat belt. This is a law and this particular law about seat belts have delivered so many lives, and people from geting involved in fatal accidents. Anyway, the forehead look glass is actually overrated.
- Knowing the functions of certain controls and promptly checking the instrument panel of your veicle is very important. Don’t Play around with cell phones, radio, cruise control, and otherauto gadgets because it affects concentration, and can thereby cause fatal accidents.
- Alway concentrate when you are driving. This happens to be the most important thing when driving.
- Be sober when driving. Select a specified driver.
- Move with only sober drivers. If a driver is drunk, you can offer to drive. Most of those that die in accidents are passengers.
- Don’t be in a hurry to get to where you are going.
- Determine the working condition of your car before driving it. Know how to check oil, fill the gas tank, replace a flat tire, fill windshield wiper fluid, and gauge tire pressure.
- Don’t keep trash in your car, and alays clean windows and mirror for proper visibility.
By: Eden Ali
