How to Lower the Cost of Your Car Insurance
by: Evan T. Smith
Buying auto insurance is an important part of your overall
financial planning. The auto insurance premium rate varies
depending on the company and the type of policy coverage you
choose to have.
Here are some guidelines to lower the cost.
Shop Around- Compare the costs by shopping around at least
four to five insurance companies and comparing the quotes.
Take the help of your friends, relatives and yellow pages.
Your insurance company should offer fair pricees and posses
excellent service records. Check the financial ratings of the
company as it indicates the strength and stability of the company.
Ask for higher deductibles- Deductible is the amount of money
that you pay before making any claim for an accident. The
collision and comprehensive coverage are sold with the
deductibles. Higher the deductibles lower will be the premium rate.
Increasing the deductible from $200 to $500 may reduce the cost
by 15 to 30 percent.
Drop collision and comprehensive Coverage on older cars- If your
car is worth less than 10 times your premium in the current
market, consider dropping the collision and comprehensive coverage.
Buy auto coverage from your existing insurer- Buy insurance
coverage from your existing carrier. This may help you to
reduce the cost. Sometimes low rates are available for the
longtime customers.
Avoid double health coverage- If you think that you have enough
health insurance, and then avoid health coverage with your auto
policy. This will help you to reduce the cost.
Maintain a good credit record- Insurers are using the credit
history while determining the price of insurance. Statistically,
the lower your credit score, the more you are likely to file
claims. A person with a good credit score is more likely to
settle the accident without the support of the company. Try to
maintain a good credit record.
Discounts with low profile car- Cars that are expensive to repair
or attractive to thieves will have a higher rate. Consider buying
a low profile or average car as it your insurer might come up with
discounts for such a car.
Take advantage of the low mileage discount: Obtain some discount
on premiums by driving less than the national average mileage
recorded per year.
Consult about group discount- Sometimes you can get some discounts
on group plans provided by your employer, or a business groups, or
other associations. Find out whether such a plan is available.
Seek Car Safety discount- Some insurers offer discount if you keep
your car equipped with air bag, anti-lock brakes, anti-theft
devices, automatic seat belts. Take advantage of this.
About The Author
Evan T. Smith is a contributing writer for http://www.ampminsure.org/, an online insurance forum dedicated to make insurance issues easy and manageable for all.
Terms of republishing: This free reprint article is avaialble for use in ezines,print publications, websites and blogs on
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