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BUYING CAR INSURANCEYou may not realize it, but the car insurance rates you pay for your auto can vary dramatically depending on the car insurance company you choose, the coverages you request and the kind of vehicle you drive. Listed below are a number of things you can do right now to lower your car insurance costs.COMPARISON SHOPPrices for the same coverage can vary by hundreds of dollars, so it pays to shop around. You can compare hundreds of car insurance companies' premiums right here on the internet.The car insurance company you select should offer both fair prices and excellent service. Quality service may cost a bit more, but provides added conveniences, so compare a number of insurers to get a feeling for the quality of their service. Check for any special discount programs they might offer to lower your costs. Get at least three or four competitor's price quotes. ASK FOR HIGHER DEDUCTIBLESDeductibles represent the amount of money you pay before the insurance company pays for damages. By requesting higher deductibles on collision and comprehensive (which includes fire and theft) coverage, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision cost by 15% to 30%.DROP COLLISION AND/OR COMPREHENSIVE COVERAGES ON OLDER CARSIt may not be cost-effective to have collision or comprehensive coverages on cars worth less than $1000 because any claim you make would not substantially exceed annual cost and deductible amounts. Consider cheaper Uninsured Motorist coverage in case you're hit by an uninsured driver.ELIMINATE DUPLICATE MEDICAL COVERAGESIf you have adequate health insurance, you may be paying for duplicate medical coverage in your auto policy. In some states, eliminating this coverage could lower your car insurance personal injury protection (PIP) cost by up to 40%.BUY A "LOWER PROFILE" CARBefore you buy a new or used car, check into car insurance costs. Cars that are expensive to repair, or that are favorite targets for thieves, have much higher car insurance costs.CONSIDER AREA INSURANCE COST IF YOU ARE MAKING A MOVECar Insurance costs tend to be lowest in rural communities and highest in metroplolitan areas where there is more traffic and more car accidents.TAKE ADVANTAGE Of LOW MILEAGE DISCOUNTSIf you live close to work, work at home or only drive occasionally, some companies offer discounts to motorists who drive fewer than the annual average number of miles.FIND OUT ABOUT AUTOMATIC SEAT BELT OR AIR BAG DISCOUNTSYou may be able to take advantage of discounts offered on some car insurance policies for automatic seat belts and/or air bags.INQUIRE ABOUT OTHER DISCOUNTSSome car insurance companies offer discounts for more than one auto, no accidents in three years, drivers over 50 years of age, driver training and/or driver education courses, anti-theft devices, anti-lock brakes, good grades for students, and if you have another insurance policy (such as homeowners or life) with their company. | Car Insurance |
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