2013년 10월 25일 금요일

Chantelle Dalby's blog ::How to Instantly Compare Auto Insurance Quotes Online






Chantelle Dalby's blog ::How to Instantly Compare Auto Insurance Quotes Online










If               you               are               shopping               for               auto               insurance,               don't               overpay.

Here               are               10               tips               on               how               to               be               sure               that               you               are               getting               the               best               auto               insurance               quote.

1.

Take               your               time               and               shop               around.

The               cost               of               car               insurance               can               vary               widely               from               one               company               to               another.

To               be               sure               you               get               the               best               auto               insurance               quote,               take               the               time               to               obtain               at               least               three               quotes               before               you               choose               a               policy.
               2.

Only               purchase               as               much               auto               insurance               as               you               need.

For               example,               you               might               consider               skipping               collision               insurance               if               you               drive               an               older               model               car               that               is               worth               less               than               $1,000.
               3.

To               get               the               best               auto               insurance               quote,               increase               the               deductible               on               your               auto               insurance               policy               if               you               can               afford               to.

Whether               this               makes               sense               for               you               will               depend               on               whether               you               can               afford               to               pay               $500               or               $1,000               up               front               in               the               event               of               an               accident.

If               so,               raising               the               deductible               from               $250               to               $500               might               save               you               10%               or               more,               and               hiking               it               to               $1,000               would               result               in               ever               greater               savings.
               4.

Before               requesting               a               quote,               find               out               what               discounts               are               available               to               you.

Most               auto               insurance               companies               offer               numerous               discounts,               including               some               that               are               not               well               known.

For               example,               you               might               be               eligible               for               a               discount               if               you               participate               in               a               low-risk               occupation,               are               a               member               of               a               professional               organization,               have               certain               safety               features               (such               as               anti-lock               brakes)               on               your               car,               are               a               senior               citizen               and/or               have               recently               taken               a               defensive               driving               course.

Also,               ask               the               human               resources               department               at               your               company               whether               your               employer               offers               group               auto               insurance               discounts.
               5.

To               get               the               best               quote               on               auto               insurance               (and               all               you               insurance)               buy               as               much               as               you               can               from               one               company.

You               can               usually               save               money               by               combining               coverage               and               purchasing               multiple               policies,               such               as               both               your               homeowner's               and               auto               insurance               policies,               from               the               same               company.
               6.

Be               sure               you               are               buying               the               right               auto               insurance               policy               for               you.

For               example,               if               you               don't               put               a               lot               of               miles               on               your               car               each               year,               you               might               want               to               investigate               premiums               on               low-mileage               auto               insurance               policies               (sometimes               called               pay-as-you-go               policies)               if               they               are               offered               in               your               state.

Premiums               on               pay-as-you-go               policies               may               be               based               on               a               specified               range               of               miles               driven               or               actual               miles               driven,               and,               for               some               drivers,               can               be               big               money               savers.
               7.

For               the               best               possible               auto               insurance               quote,               be               sure               your               credit               rating               is               in               good               shape               before               you               start               shopping,               because               the               auto               company               will               take               it               into               account               in               pricing               your               policy.

If               necessary               and               possible,               take               steps               to               improve               your               credit               rating               before               you               buy               a               policy               so               that               you               can               get               the               benefit               of               your               better               rating               for               the               full               term               of               the               contract.
               8.

Maintain               a               good               driving               record.

Most               auto               insurance               companies               offer               discounts               for               having               clean               driving               record               for               a               defined               period,               usually               three               years.

While               there               is               nothing               you               can               do               about               past               blemishes               on               your               driving               record,               you               can               work               at               keeping               it               blemish-free               in               the               future,               which               will               eventually               pay               off               in               lower               car               insurance               premiums.
               9.

Skip               the               extras               that               can               drive               up               the               cost               of               auto               insurance.

Omitting               towing,               car               rental               coverage,               and               loss               of               income               from               you               policy               can               lower               your               premiums.
               10.

If               you               are               shopping               for               auto               insurance               when               your               existing               policy               is               about               to               expire,               review               it               carefully.

This               is               a               good               time               to               reevaluate               the               deductible,               collision               coverage,               policy               extras               and               discounts               to               be               sure               that               you               are               not               paying               for               more               coverage               than               you               need               and               to               ensure               that               you               are               getting               all               the               discounts               you               deserve.

If               your               credit               score               has               improved,               make               sure               that               your               agent               is               aware               of               that               and               take               advantage               of               the               renewal               discount.
               While               saving               money               on               auto               insurance               is               important,               if               possible,               don't               make               price               the               only               criteria               for               choosing               a               policy.

Talk               to               friends               and               family               for               recommendations               and               feedback               about               auto               insurance               companies               and               be               sure               that               the               policy               you               select               is               right               for               you.
               Sources:
               www.edmunds.com,               How               to               Save               Money               on               Auto               Insurance               -               Edmunds.com
               pueblo.gsa.gov,               FCIC:               Nine               Ways               to               Lower               Your               Auto               Insurance               Costs
               www.ohmygov.com,               Is               pay-as-you-go               car               insurance               a               viable               alternative?




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