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Practical tips to save at the time of purchasing auto insurance.
Compare prices and services. Prices for the same coverage can vary greatly from one company to another. Request at least three quotes (for the same product) from three different sources; Either from insurance agents or brokers, directly from the insurance company or through the Internet. It is possible that the Department of Insurance of the state where you live, has guidelines (guidelines) of how much the insurance companies charge for the different types of auto policies. Some insurance companies have their own agencies, and they can also offer their policies through authorized agents or insurance brokers who simultaneously manage insurance from several insurers. Other companies sell their products or policies directly to the consumer, through Internet services or by telephone.
Ask for quotes from various types of insurance companies. The insurance company you choose will not only offer you good prices, but also an excellent service. Sometimes a better service could cost you a little more. Also Compare the service of the different agents you contact and ask them what they can offer to reduce costs. Do not buy only based on price, ask for references to friends and family about insurance companies that have given them good service and good prices. The Department of Insurance of the state where you live can tell you if the company you consider doing business has received complaints and in what proportion, compared to the amount of policies you sell. Find out the financial qualifications of companies that interest you through any of the independent rating agencies, such as consulting finance journals or the consumer. Select an agent or company whose representative takes the time to answer your questions, as this is the company you will have to deal with at the time an emergency or an accident arises.
Before buying your car, compare insurance costs. Make sure you find out how much it will cost to secure that car. Part of the cost of insurance premiums will be affected as a result of the type of car, the purchase price, the cost of repairing it, your overall safety performance and the chances of theft. Many insurances offer additional discounts to drivers who install security measures or whose cars have items that are already in the factory; For example, if they have air bags, they use lights during the day, they use devices that prevent or make the theft more difficult, they have safety and anti-lock brakes, etc. Some states in particular require the insurance or insurance company to give additional discounts to their customers for installing additional security measures in their car.º
Increase the deductibles. Deductibles represent the amount of money you will have to pay before you make an insurance claim. The higher the deductible, the cheaper the insurance. For example, if you increase your deductible from 300 to 600 dollars, you will reduce the annual insurance cost by 15% to 30%. A thousand dollar deductible can save you up to 40% on the insurance premium.
2. Reduce shock coverage and other risks in older cars. Consider abandoning or reducing various risk and shock coverage in old cars. It may not be advantageous to pay a policy to secure a vehicle that is worth ten times less than the insurance resets you. Any coverage benefit you receive will not cover the money you have paid on premiums and the deductible.
An accident occurs on average once in eleven or twelve years. A car dealership or your financier can tell you the value of your car. You can also see the estimated value of your car. Also remember to check your needs and amount of insurance coverage at least once a year.
Buy your car insurance from the same company that secures the house and ask for package discounts. You may also receive a discount if you have several vehicles under the same policy and some companies recognize loyalty by giving discounts to your older customers. Compare prices, many times you can find better deals without tying all cars to a single policy.
2. Take advantage of low mileage discounts. Some drivers who drive a few miles a year, under the annual standard, may receive additional discounts; Insurers can also offer discounts to those who agree with other people to manage the work.
3. Ask for group insurance. You may receive additional discounts if you receive insurance through your employer, as part of your work guild or through a group partnership such as alumni from a university or similar organizations. Ask your employer or the groups you belong to.
Maintain a good credit history. Your credit history may affect the price of insurance policies that you pay. While the use of credit history varies according to state laws and policies from one company to another, it is an assessment tool that allows the insurer to qualify candidates to secure them in a uniform and objective manner. In fact, drivers with long-established credit histories have fewer accidents than those with little credit history. You can use Internet services to get information on how to know and improve your credit history.
2. Request discounts for responsible drivers. Many insurers give special discounts for drivers who have not had accidents or traffic violations (speeding tickets, for example) for several years. You may also qualify for certain discounts if you have recently taken a driving course.
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Compare prices and services. Prices for the same coverage can vary greatly from one company to another. Request at least three quotes (for the same product) from three different sources; Either from insurance agents or brokers, directly from the insurance company or through the Internet. It is possible that the Department of Insurance of the state where you live, has guidelines (guidelines) of how much the insurance companies charge for the different types of auto policies. Some insurance companies have their own agencies, and they can also offer their policies through authorized agents or insurance brokers who simultaneously manage insurance from several insurers. Other companies sell their products or policies directly to the consumer, through Internet services or by telephone.
Ask for quotes from various types of insurance companies. The insurance company you choose will not only offer you good prices, but also an excellent service. Sometimes a better service could cost you a little more. Also Compare the service of the different agents you contact and ask them what they can offer to reduce costs. Do not buy only based on price, ask for references to friends and family about insurance companies that have given them good service and good prices. The Department of Insurance of the state where you live can tell you if the company you consider doing business has received complaints and in what proportion, compared to the amount of policies you sell. Find out the financial qualifications of companies that interest you through any of the independent rating agencies, such as consulting finance journals or the consumer. Select an agent or company whose representative takes the time to answer your questions, as this is the company you will have to deal with at the time an emergency or an accident arises.
Before buying your car, compare insurance costs. Make sure you find out how much it will cost to secure that car. Part of the cost of insurance premiums will be affected as a result of the type of car, the purchase price, the cost of repairing it, your overall safety performance and the chances of theft. Many insurances offer additional discounts to drivers who install security measures or whose cars have items that are already in the factory; For example, if they have air bags, they use lights during the day, they use devices that prevent or make the theft more difficult, they have safety and anti-lock brakes, etc. Some states in particular require the insurance or insurance company to give additional discounts to their customers for installing additional security measures in their car.º
Increase the deductibles. Deductibles represent the amount of money you will have to pay before you make an insurance claim. The higher the deductible, the cheaper the insurance. For example, if you increase your deductible from 300 to 600 dollars, you will reduce the annual insurance cost by 15% to 30%. A thousand dollar deductible can save you up to 40% on the insurance premium.
2. Reduce shock coverage and other risks in older cars. Consider abandoning or reducing various risk and shock coverage in old cars. It may not be advantageous to pay a policy to secure a vehicle that is worth ten times less than the insurance resets you. Any coverage benefit you receive will not cover the money you have paid on premiums and the deductible.
An accident occurs on average once in eleven or twelve years. A car dealership or your financier can tell you the value of your car. You can also see the estimated value of your car. Also remember to check your needs and amount of insurance coverage at least once a year.
Buy your car insurance from the same company that secures the house and ask for package discounts. You may also receive a discount if you have several vehicles under the same policy and some companies recognize loyalty by giving discounts to your older customers. Compare prices, many times you can find better deals without tying all cars to a single policy.
2. Take advantage of low mileage discounts. Some drivers who drive a few miles a year, under the annual standard, may receive additional discounts; Insurers can also offer discounts to those who agree with other people to manage the work.
3. Ask for group insurance. You may receive additional discounts if you receive insurance through your employer, as part of your work guild or through a group partnership such as alumni from a university or similar organizations. Ask your employer or the groups you belong to.
Maintain a good credit history. Your credit history may affect the price of insurance policies that you pay. While the use of credit history varies according to state laws and policies from one company to another, it is an assessment tool that allows the insurer to qualify candidates to secure them in a uniform and objective manner. In fact, drivers with long-established credit histories have fewer accidents than those with little credit history. You can use Internet services to get information on how to know and improve your credit history.
2. Request discounts for responsible drivers. Many insurers give special discounts for drivers who have not had accidents or traffic violations (speeding tickets, for example) for several years. You may also qualify for certain discounts if you have recently taken a driving course.
