How can you find the best insurance rates out there? What if you have recent violations on your driving record? Does this mean you automatically have to settle for high rates and lousy coverage? By following these simple guidelines you can avoid paying high insurance rates and still have the coverage you need.
1.
Shop around.
Many insurance providers run promotions throughout the year.
Use the internet to find the best rates available at the time and be sure to call local agents if possible.
Remember they need your business and will do what they have to to earn it.
2.
Know the amount of coverage you need.
How many times have you simply went with the recommended coverage of the agent? This can cost you $100's more than is necessary.
Do a little research online or speak with a friend before you settle on an insurance policy.
3.
Consider the type of car you drive.
The more expensive the car the more it will cost to insure.
The type of car you drive will also have an impact on the rate you get.
An Audi will certainly cost more for repairs than a Kia.
Even if the two are similar in street value the repairs cost vary greatly.
When buying a car it is also important to look at the maintenance record for the model you desire.
If the model has had considerable problems in the past, the insurer will take this into consideration when giving you a rate quote.
4.
Know your credit score.
Most insurance companies these day will conduct a credit check before the policy is officially given.
Rate quotes can be given without this information but if you have a low credit score this rate can go up considerably at the end of the process.
Knowing your credit score can save you time and frustration when shopping around for insurance.
5.
Where is the car kept when not being driven? If you park your car on the street every night you can expect to pay more than if you store your car in the garage.
So, it can pay off to clean out the garage! If a garage is not an option, let your agent know if you use a car cover or simply have a covered parking spot.
Following these few tips can help save hundreds per year in insurance costs.
The more informed you are when it comes to your policy the more you can save.
Good luck!
1.
Shop around.
Many insurance providers run promotions throughout the year.
Use the internet to find the best rates available at the time and be sure to call local agents if possible.
Remember they need your business and will do what they have to to earn it.
2.
Know the amount of coverage you need.
How many times have you simply went with the recommended coverage of the agent? This can cost you $100's more than is necessary.
Do a little research online or speak with a friend before you settle on an insurance policy.
3.
Consider the type of car you drive.
The more expensive the car the more it will cost to insure.
The type of car you drive will also have an impact on the rate you get.
An Audi will certainly cost more for repairs than a Kia.
Even if the two are similar in street value the repairs cost vary greatly.
When buying a car it is also important to look at the maintenance record for the model you desire.
If the model has had considerable problems in the past, the insurer will take this into consideration when giving you a rate quote.
4.
Know your credit score.
Most insurance companies these day will conduct a credit check before the policy is officially given.
Rate quotes can be given without this information but if you have a low credit score this rate can go up considerably at the end of the process.
Knowing your credit score can save you time and frustration when shopping around for insurance.
5.
Where is the car kept when not being driven? If you park your car on the street every night you can expect to pay more than if you store your car in the garage.
So, it can pay off to clean out the garage! If a garage is not an option, let your agent know if you use a car cover or simply have a covered parking spot.
Following these few tips can help save hundreds per year in insurance costs.
The more informed you are when it comes to your policy the more you can save.
Good luck!