The Best Ways to save money on your Auto Insurance premiums


Save Money on Auto Insurance

Please familiarize yourself with our effective methods of saving money on auto insurance premiums.

In addition to these general tips for saving money on car insurance coverage, please use our side by side quote comparisons to find the lowest rate.

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Additional ways save money on your auto insurance include:

Auto Insurance rates vary widely from company to company, so it pays to shop around. It is recommended that shoppers get at least three auto insurance quotes. Smartautoinsurance.com can help you do this . Your state insurance department may also provide comparisons of prices charged by major insurers.

You buy auto insurance for financial and peace of mind. It's important to pick an insurer that is financially stable. Check the financial health of insurance companies with rating companies such as A.M. Best andor Standard & Poor's as well as consumer magazines that may provide insurance company ratings.

Another way to save money on auto insurance rates is to, check into the underlying insurance costs before you buy a new or used car. Your insurance premium is based in part on the car's sticker price, the cost to repair it, its overall safety record, and the likelihood of theft. Many insurers offer discounts for features that reduce the risk of injuries or theft. These include air bags, anti-lock brakes, daytime running lights and anti-theft devices. Some states require insurers to give discounts for cars equipped with air bags or anti-lock brakes. Cars that are favorite targets for thieves cost more to insure than cars that are rarely broken into or stolen.

Increasing your deductible is another way to reduce your monthly insurance premium. Deductibles represent the amount of money you pay before your insurance policy kicks in. By requesting higher deductibles, you can lower your costs substantially. For example, increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by 15% to 30%. Going to a $1,000 deductible can save you 40% or more. But remember increasing your deductible means that you will be responsible for larger out-of-pocket costs if you do have an accident.

Continue to Saving money on your auto insurance part 2

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