Auto accidents on our Nation's roadways are a serious threat to the traveling public and are the leading cause of death for those under the age of thirty-four
Save Money on Your Auto Insurance By Fisher Swanson
In nearly every state you have to purchase auto insurance if you drive. Here are some tips
for spending less on auto insurance and getting the most for your money.
Ask Around
Ask people you know and trust what insurance they use. Find out if they have ever filed a
claim and how smoothly it went. Really cheap insurance doesn't amount to much if they
offer horrible service.
Get Multiple Quotes
Get 3 or 4 quotes from different insurance companies. Write down as much information as
possible about each insurer. If the agent or representative is not willing to answer your
question it's probably not a good company to buy insurance from. Don't buy from the first
insurance company you call!
Check Your Credit History
Some insurers factor in credit history when they calculate their rates. Unresolved issues in
your credit history could affect your insurance rates.
Pick Your Car Wisely
The cost of the car, make and model (sometimes even the color) will affect your insurance
premiums. If you are buying a new car be sure to check with your insurance company to
find out what the insurance for that car will be. If you have an older car and are not
financing you can get by with less insurance and save a lot of money.
Ask About Discounts
Ask if there is a safe driver discount if you have a good driving record. If you don't drive
much ask about a low-mileage discount. Here is a list of discounts that Insurance
Information Institute (www.iii.org) recommends asking providers about.
- $500 deductible
- $1,000 deductible
- More than 1 car
- No accidents in 3 years
- No tickets in 2 years
- Drivers over 50-55
- Driver training course
- Defensive driving course
- Anti-theft device
- Low annual mileage
- Air bag
- Anti-lock brakes
- Daytime running lights
- Student with good grades
- Joint auto and homeowners coverage
- College students
- Long-time customer
- Other discounts
There are a lot of discounts that may be available to you but you often have to ask to get
them. Create a table with the list above for when you call around. You can find a printable
table at http://www.thriftyfun.com/downloads/auto.html to help you keep track of the
insurance companies you call.
Accident Prevention Course
Some insurance companies offer reduced premiums if you complete an accident
prevention course. Some insurance companies offer as much as a 10% discount.
Reduce Your Coverage
If you are buying your car on time you will be required to have comprehensive coverage
but the day that you pay it off you can reduce your coverage and save a lot a money. Less
insurance brings more risk but if you are a safe driver the odds are that you can get by
with liability and uninsured driver insurance.
If you are in need of auto insurance or are just looking to compare rates with other auto insurance companies in your state, use our Free Online Consultation Form and an insurance agent in your area will get back to you within 24 hours.
IF YOU'VE BEEN INJURED IN AN ACCIDENT - CONTACT AN ATTORNEY
If you are in need of legal advice or services, or simply wish to speak to an attorney who has successfully handled auto accident cases in your state, you may use our Free Online Consultation Form.
There is NO COST or obligation for this service.
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