Auto insurance is now required in 47 of the 50 United States. But
even if you live in one of those three states that do not require car
insurance, you’re probably risking a lifetime of financial ruin if you drive
unprotected. All it takes is for you to be found guilty of causing an accident
with serious damage, personal injuries, or fatalities and you could lose your
house and every penny you have or will ever earn. It’s simply not worth the
risk. Just because you have to do auto insurance there is no need to pay many
to get it. Here are some saving tips to keep in mind when you are starting auto
insurance:
Compare Prices among different auto insurance: - Vary greatly
among different auto insurance providers in everywhere. There is no such thing
as a “fix in standard rate”. Firstly you must visit your State Insurance
Commissioner’s place to get information of all auto insurance companies that
are licensed to write car insurance policies in your state and then get a quote
from each one.
Check the Auto Insurance Company’s quality services: - It doesn’t
do you any good to get car insurance from a company that might not be around to
pay the claim.
Get advice to decide on price: - Talk to some professional in auto
insurance, friends, family and neighbors to see who they insure their cars
with. Besides less prices, you want an auto insurance company that will do you
fair and that will respond to claims quickly and professionally on your
investment.
Save money with higher deductibles: - A deductible is the amount
that you will have to pay out of your own pocket for damage before the auto
insurance company kicks in. Highest is the deductible, Lowest is your premium
will be. Simply raising your deductible from $2000 to $5000 could result in
annual premium savings of as much as 30%. Even higher deductibles will yield
greater savings. A $10000 deductible could save you 40% of your premium costs.
Ask for more discounts: - Many auto insurance companies offer some
discounts for safe drivers, auto alarm systems, Anti-Lock Brake Systems (ABS),
multiple auto coverage, accidental insurance and having your home and auto
insurance. Be sure to ask your agent for a complete list of each concession
they propose and then apply for any that you become certified for.
A few times spent doing your homework can save you much of dollars
per year. It’s worth the effort done by you.
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