Car Insurance Tips

Vehicle insurance - a cost we all must bear if we want to drive. But you might
be surprised at how varied the rates for car insurance can be in your area.
Definitely shop around for your car insurance. Don't just go with the first
agent you speak with.

Now, thanks to the internet, you can shop around right from the comfort of home.

Go ahead and get at least three price quotes from different kinds of insurance
companies.

If you're in the market for a new car, call to see how much it will cost to
insure in the first place. Having a car alarm and other anti-theft devices can
help lower your costs.

Always ask about discounts. Don't be shy. Companies expect this!

What's my cost if I have a $500 deductible? (Increasing your deductible from $
200 to $500 could reduce your collision and comprehensive coverage cost by as
much as 30 percent.)

How about a $1,000 deductible? Going to a $1,000 deductible can save you 40
percent or more. (Now if you don't keep at least this much in the bank, don't
choose this option!)

If your car is worth less than 10 times the annual insurance premium,
purchasing extra coverage may not be cost effective. That's one great thing
about owning an old car!

Here is some addtional information you can provide to your potential car
insurance company to try and reduce your car insurance cost:

My credit rating is excellent. I always pay my bills on time.

What if we insure more than 1 car with your company?

I haven't had an accident in more than three years

I haven't had a traffic ticket in three years

I've taken a driver's training course.

My car has an anti-theft device.

I don't put a lot of mileage on my car in a year's time.

My car has air bags.

My car is quipped with anti-lock brakes.

I have daytime running lights.

I'm a student driver with good grades.

Since I have both auto and home coverage with you, do I qualify for a discount?

I'm a college student away from home

I've been a long time customer

My mom and dad use your company

Do you offer any other discounts? Some companies offer reduced rates to
drivers who get insurance through a group plan from their employers and other
professional groups. It can't hurt to ask.

Not every company will offer the same discounts. Compare the final prices the
various companies offer you. It pays to shop around for your car insurance!

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