Seven Ways To Save On Car Insurance. Why pay premium prices to your on your car insurance policy if you don't have to.
(NAPSI)--What you pay for your car insurance can differ by 100's of dollars,based on what type of car you drive, your accident history and the insurance company providing you with the policy. To save money on your car insurance policy, keep these seven tips in your mind.
1. Ask About Discounts.
You may be eligible for one if you haven’t had any accidents or moving violations for quite some time. If you drive a lesser than average amount of miles per year, you may qualify for low mileage discounts. Ask your insurance broker/agent about discounts for:
• Antitheft devices
• Defensive driving courses
• Long-time customers
• Insuring for several car
• No accidents in 3 years
• No moving violations in 3 years
• Student drivers with good grades.
2. Get Multiple Quotes.
Rates may differ greatly and they also change often. Review your coverage at least annually.
3. Reduce Coverage On Older Cars.
Consider dropping collision or comprehensive coverage on old cars. If the car may be worth less than ten times the annual premium, buying coverage is probably not cost-effective. You can research the value of your car at Kelley Blue Book, www.kbb.com.
4. Ask For A Higher Deductible.
Deductibles are what you spend out before your insurance takes over. By getting higher ones, you are able to lower your costs substantially. Before choosing a better deductible, however, put aside enough money to pay for needed repairs.
5. Bundle Your Insurance.
You can frequently get a break in case you buy 2 or more types of insurance from the same provider, for example auto and homeowners. You may also have a discount if you have several vehicle insured sticking with the same company.
6. Compare Costs.
Some companies provide a discount if you drive a hybrid or low-profile car. Before you buy a brand new or used car, look into the insurance costs.
7. Maintain A Good Credit Record.
Most insurers factor credit into pricing car insurance policies. To protect your credit rating, pay your bills punctually, don’t have more credit than you need and keep your credit balances as small as possible. Check your credit record regularly and also have any errors corrected promptly.
Talk along with your friends, family and co-workers regarding the discounts they receive and ask your insurance agent about discounts specifically open to you.
(NAPSI)--What you pay for your car insurance can differ by 100's of dollars,based on what type of car you drive, your accident history and the insurance company providing you with the policy. To save money on your car insurance policy, keep these seven tips in your mind.
1. Ask About Discounts.
You may be eligible for one if you haven’t had any accidents or moving violations for quite some time. If you drive a lesser than average amount of miles per year, you may qualify for low mileage discounts. Ask your insurance broker/agent about discounts for:
• Antitheft devices
• Defensive driving courses
• Long-time customers
• Insuring for several car
• No accidents in 3 years
• No moving violations in 3 years
• Student drivers with good grades.
2. Get Multiple Quotes.
Rates may differ greatly and they also change often. Review your coverage at least annually.
3. Reduce Coverage On Older Cars.
Consider dropping collision or comprehensive coverage on old cars. If the car may be worth less than ten times the annual premium, buying coverage is probably not cost-effective. You can research the value of your car at Kelley Blue Book, www.kbb.com.
4. Ask For A Higher Deductible.
Deductibles are what you spend out before your insurance takes over. By getting higher ones, you are able to lower your costs substantially. Before choosing a better deductible, however, put aside enough money to pay for needed repairs.
5. Bundle Your Insurance.
You can frequently get a break in case you buy 2 or more types of insurance from the same provider, for example auto and homeowners. You may also have a discount if you have several vehicle insured sticking with the same company.
6. Compare Costs.
Some companies provide a discount if you drive a hybrid or low-profile car. Before you buy a brand new or used car, look into the insurance costs.
7. Maintain A Good Credit Record.
Most insurers factor credit into pricing car insurance policies. To protect your credit rating, pay your bills punctually, don’t have more credit than you need and keep your credit balances as small as possible. Check your credit record regularly and also have any errors corrected promptly.
Talk along with your friends, family and co-workers regarding the discounts they receive and ask your insurance agent about discounts specifically open to you.
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