Tag Archives: One’s

Car Insurance Quotes – 16 Ways to Get Lower Ones

Article by Dan M. Kennedy









You’ve probably noticed that some people get lower car insurance quotes than you though they seem to have the same situation than yours. Here are 7 things you can do to lower your car insurance quotes.

1. Shop Around

This is such a common sense one that it shouldn’t be here. But life is hectic, makes people skip it or not do it well. What one company considers high risk another one deems to be a medium risk. The difference in price can be significant.

Each company asks you the same questions about your driving habits and where you live. But different companies can have a different take on every single answer you give. And that’s why you shop around. Just make sure that all car insurance quotes you get are for the very same coverage.

2. Buy a Lower Risk Car

Insurance companies take your car into account when you get car insurance quotes. Makes sense. They group cars by risk. There are 20 different groups. Generally speaking, the lower the risk they assign your car group (i.e., the higher the rating), the lower the car insurance quotes you’re going to get.

Some car models are stolen more often than others, some have worse accident ratings than others, some are involved in more accidents than others (you’re a lot less likely to drag race a Dodge Caravan than a Mustang).

3. Consider Getting Only the Minimum Coverage Required By Law

The minimum coverage the law requires you to have is the cheapest. If you have an old car with little value left in it, you should get insurance that covers the other car, people, not your old clunker. If the value of your car is less than what it would cost you to cover it for one year, should you cover it?

4. Keep Your Credit Scores High

An insurance guy I know assures me that there’s a close correlation between credit scores and the chances you’ll file a claim. That’s why, he says, insurance companies rely these days on credit scores to figure out what kind of a risk you are.

Whether you agree with him or not, know that, indeed, the lower your credit scores, the higher the car insurance quotes you’ll hear.

5. Buy Online

You can find lower car insurance quotes online these days. Many insurers offer discounts for buying online: they save money since you’re not getting a human being involved (human beings require salaries). Plus, you save them on their phone bill.

6. Raise Your Deductible

This one is easy to understand. The higher your deductible the less the insurer pays. The less it pays, the lower the car insurance quotes it can afford to have. Of course, in the case you make a claim, you pay more out of pocket.

7. Drive Less

The more you drive each month, the higher the chances that you get into a car accident. At the very least, don’t overestimate. Don’t lie about them (it’s neither legal nor nice) but count them well.

8. Have a Clean Driving Record

The car insurance quotes you get depend on this one too. The more they catch you speeding, the higher the quotes, etc. And it stands to reason: statistically, people with blemished driving records have more accidents than people with clean ones.

9. Don’t Make Small Claims

People make claims for small things. You buy insurance to have protection against large expenses, expenses you cannot, or cannot easily, pay. For some people a ,000 payment is a lot. But if you can make it, make it. Insurance companies do raise your premiums if you make claims.

10. Insure the Real Value of Your Car

If your car is worth ,000 your insurance policy should cover ,000. If you estimate your car value at ,000 and it’s worth ,000 you only get ,000 back if it’s totaled. But you pay a higher premium. So don’t claim your car is in good condition if it’s in average condition.

11. Reduce the Number of Additional Drivers Named On Your Policy

If you can. The more people covered, the higher the premium as the risk of having a claim goes up.

12. Improve Your Car Security

Most insurance companies will give you a discount if you have car alarm, if you park your car in a garage not on the street, if you have a tracking device. The discount varies depending on what theft prevention item you have.

14. Don’t Pay Your Premium in Installments

When you pay your premium over several months, your insurance company will add a couple of dollars to each monthly bill. It may not be a lot each month, but there are 12 months in a year, so it adds up.

15. Move

Well, don’t move just to lower your premiums. But car insurance quotes are based on where you live, so the next time you move, talk to your agent about the neighborhoods you’re considering moving into. Vandalism and car thefts are higher in some neighborhoods than in other.

16. Get Good

Some Ideas On How To Save Money On One’s Motor Vehicle Insurance Cost

Article by Gerald Dejesus









When you’re trying to find cheap car insurance quotes, you ought to look at all of the aspects that could possibly have an effect on your motor vehicle insurance costs. Even after you have compared many estimates and identified which one truly gives you cheap car insurance, you ought to carry out some further investigation prior to signing the documents. You ought to take a look at the policy terms and conditions carefully to make sure that you will get the fundamental policy coverage to safeguard yourself. It occurs over and over again, when a vehicle owner gets involved with a major accident, the insurance policy coverage they assumed they were spending money on is in fact not a part of their insurance plan which usually can result in considerably huge expenditures. Seeking out professional and also respectable car insurance companies is definitely a job by itself. Very much like shopping for a home, it’s crucial you fully understand clearly precisely what you will get.It’s important to recognize that your age, gender as well as the sort of automobile you are trying to get auto insurance protection on, including the age of your automobile, would certainly be crucial things in calculating the annual automobile insurance premiums. It’s just as crucial to search for a vehicle insurance corporation which can respond to each and every doubts you might have and additionally capable of dealing with claims fairly and also quickly. When you choose an offer you’re happy with, you must make a more in-depth check on the motor vehicle insurance service provider you would like to deal with. Learn more regarding its financial health and also the number of customer complaints it has received within the past few years.One other way of saving your hard earned money may be to inquire your insurance company or agent on the subject of a higher insurance deductible. The insurance deductible is the sum of money you have to pay before the insurance firm pays out on the claim. The goal of asking for an increased insurance deductible is so that it could reduce your vehicle insurance prices significantly. If you raise the insurance deductible from, say 0 to 0 you are able to potentially save on the motor vehicle insurance prices due to the fact that the insurance organization would spend a smaller amount for the claim. Nonetheless, if you’re sure that you can’t shell out the much higher insurance deductible in the event something happens to your own vehicle such as a collision then it’s better to continue to be at a lower insurance deductible.When choosing the suitable insurance protection for your own motor vehicle, look at the vehicle age simply because this can also impact your own automobile insurance rates. As an example you might want to think about taking out the collision or comprehensive insurance coverage on an older motor vehicle as it’s not cost saving if you carry on paying off full policy coverage on a motor vehicle worth a lot less than the sum of money you pay for the insurance policy coverage.



About the Author

You can certainly save money through that minimal effort to get several car insurance quotes and make comparisons. For HASSLE FREE, NO OBLIGATION cheap car insurance from numerous car insurance companies, head over to cheapcarinsurancequotes4u.com Today!










Everyone loves a good deal, but when it comes to buying auto insurance, the lowest price may end up costing you more than you bargained for. An increasingly common scam involves the sale of “cheap” auto insurance to unsuspecting consumers. Scam artists are drawing in unsuspecting consumers by advertising auto insurance at rock bottom prices.