Great Auto Insurance Coverage for Less Money
- Date: 2008-08-02 - Word Count: 505
Share This!
Almost every US driver needs to have car insurance to be a legal driver. This is because every state has a law that requires drivers to be financially responsible, and for most of us, being financially responsible means that we need liability insurance. However, just because we need car insurance does not mean that we need to pay too much for it.
You may not be taking advantage of all of the discounts that are available to you, or you may be able to qualify for a large discount by taking some simple steps. Insurers offer discounts because they know that drivers who qualify are less likely to make large claims, and they do pass savings on.
Of course, a good driving record is ideal. If you have not had any accidents or traffic tickets for the last few years, you are more likely to qualify for the very lowest rates. If you have had an accident or ticket recently, then consider taking an approved defensive driving course. You may be able to get a 15% discount, and it is very easy to take these classes. Some or held in restaurants, and they never take more than a few hours. These days you can even take them online, in the comfort of your own home.
If you are a new driver, and have no driving history, you should take a driver's education course. New drivers, especially teenagers, get hit with high premiums. However, some insurers will credit you for taking a course, or even for keeping up a good grade point average. It is very important for young drivers to keep their driving record clean, and a course can help.
If you are thinking about purchasing a new car, or a newer used car, be sure and consider coverage before you calculate how much the purchase will affect your budget. In fact, a newer and safer car can actually lower your premiums. But a high horsepower sports car will be likely to raise your premiums.
If you are not in the market for another car, consider anti-theft devices and safety features. Some upgrades can save you 30% in premiums, so they can pay for themselves in a short time. In addition to saving money, they may save you from an accident and injury, so exploring this option is always worth it!
If you need insurance for more than one vehicle, or if you also insure property, look into discounts for having more than one policy with the same company. Insurers spend a lot of money attracting new business, and they will be happy to serve customers they already have. Find out how much you can save with a multi-policy discount!
Finally, if you have explored all possible discounts and competitive companies, and the premiums are still too high, you can take one more step. You may consider raising your deductible. The deductible is the portion you pay before your insurance starts paying. The difference in premium between a $250 deductible and a $750 deductible can save you hundreds of dollars every year.
You may not be taking advantage of all of the discounts that are available to you, or you may be able to qualify for a large discount by taking some simple steps. Insurers offer discounts because they know that drivers who qualify are less likely to make large claims, and they do pass savings on.
Of course, a good driving record is ideal. If you have not had any accidents or traffic tickets for the last few years, you are more likely to qualify for the very lowest rates. If you have had an accident or ticket recently, then consider taking an approved defensive driving course. You may be able to get a 15% discount, and it is very easy to take these classes. Some or held in restaurants, and they never take more than a few hours. These days you can even take them online, in the comfort of your own home.
If you are a new driver, and have no driving history, you should take a driver's education course. New drivers, especially teenagers, get hit with high premiums. However, some insurers will credit you for taking a course, or even for keeping up a good grade point average. It is very important for young drivers to keep their driving record clean, and a course can help.
If you are thinking about purchasing a new car, or a newer used car, be sure and consider coverage before you calculate how much the purchase will affect your budget. In fact, a newer and safer car can actually lower your premiums. But a high horsepower sports car will be likely to raise your premiums.
If you are not in the market for another car, consider anti-theft devices and safety features. Some upgrades can save you 30% in premiums, so they can pay for themselves in a short time. In addition to saving money, they may save you from an accident and injury, so exploring this option is always worth it!
If you need insurance for more than one vehicle, or if you also insure property, look into discounts for having more than one policy with the same company. Insurers spend a lot of money attracting new business, and they will be happy to serve customers they already have. Find out how much you can save with a multi-policy discount!
Finally, if you have explored all possible discounts and competitive companies, and the premiums are still too high, you can take one more step. You may consider raising your deductible. The deductible is the portion you pay before your insurance starts paying. The difference in premium between a $250 deductible and a $750 deductible can save you hundreds of dollars every year.
Related Tags: auto insurance, car insurance, discount car insurance, insurance discounts
Find the best car insurance quotes with our safe, fast, and free car insurane quote form.
Let us help you find auto insurance discounts by comparing the most most competitive companies in your own area.
Recent articles in this category:
- The Secrets to Getting Low Down Payment Car Insurance
Upon purchase of a new car, there is almost always a requirement to buy an auto insurance policy as - The Wisdom Behind Auto Insurance Comparison Quotes
No one in his right mind would not go for a good deal. In fact, everyone is out on their feet and ru - The Benefits of Auto Insurance Comparisons Florida
Insurance can be expensive. This is something everyone knows about especially in the sunny state of - Auto Insurance Florida: The No-Fault Policy
There are different kinds of car insurance offered by a wide range of providers today. Different sta - Finding the Cheapest Auto Insurance Companies
Everyone is asking and searching for the cheapest auto insurance companies available today. Consider - How do You Compare Private Health Insurance Cover in Australia?
Deciding what is the best and most affordable private health insurance cover can be easy if you take - How Payment Protection Insurance Was Mis-Sold
For over six years the issue of Payment Protection Insurance (PPI) and how it was mis-sold to custom - Finding Quotes For Auto Insurance Online
One of the many concerns when you are shopping for auto insurance is being able to get access to quo - How You Can Find the Best Auto Insurance Online
When it comes to renewing your car insurance you are going to quickly discover that there are a numb - Guidelines For Searching For Auto Insurance Online
The internet can be a great source of discounts and values related to auto insurance. However, many
Most viewed articles in this category:
- Trading Forex With Pivot Points
Forex Pivot Point Trading are used today by Forex Traders and are calculated on the previous days mo - Where To Search For Free Grants
Where do you look for free grants? The search must be thorough or it could be an exercise in futilit - The Connection Between High Blood Pressure and Salt
We are a society of Salt Addicts. It cannot be denied. When you look at the things we do and the pla - Tips For Avoiding HYIP Scams
Before knowing about HYIP Scams, refer to the functioning of HYIP or "High Yield Investment Programs - Getting Credit After Bankruptcy
Consumers do not have to live sans credit following a bankruptcy. By following certain steps consume - Tips For Choosing A Credit Card
Are you looking for that perfect credit card? If so, you may be confused about what exactly to look - Cheap Car Insurance For Teens Online
Many elements determine a car insurance policy. Car insurance companies look at the person's age, hi - What Exactly Is Free Grant Money?
You can apply for free grant money from various government agencies. But where exactly does this mon - Small Business Owners Marketing and Customer Service
Marketing can be time-consuming, but it doesn't have to be hugely expensive now, thanks to the Inter - Apply Online For A Credit Card - How To Choose A Card?
The best type of credit card for you will be dependant on how you intend to use the credit card. Are