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Car Insurance Shopping Tips: How to Get the Best Rates

Car Insurance Shopping Tips: How to Get the Best Rates

Purchasing car insurance is one of those things that takes a little time, especially if you want to find the best deal.
When buying a car, it is good to carefully shop around. However, many car owners fail to apply the same level of care when purchasing insurance. It pays to look for opportunities that will help keep your costs down without necessarily sacrificing protection.

You can end up paying more than you need for coverage by failing to thoroughly comparison-shop.

Here are some tips to help you get the best insurance at the lowest price.

Shop around for the best car insurance deals

Take a few hours and call around to find the best deals. Ask friends and family who they use and find out who has a good reputation. If you fail to spend the upfront time checking out insurance carriers, you may end up paying way more than you need to.

Keep things equal

When you are comparison shopping for car insurance, be sure to ask for the same coverage from each insurer. This will give you a better idea of who has the best rates. You must compare apples to apples.

Avoid gaps in coverage

Make sure that you never have any gaps in insurance, especially if you are switching policies. Your rates are probably may increase if you forget to make the premium payments, thereby letting your insurance coverage lapse.

Don’t put everyone on your policy

Name only regular drivers on the policy. There may be times when someone may need to drive the car. When this happens, you can add someone for just a few days.

Claim all your discounts

Most insurance companies give a discount on auto insurance if a car has extra safety features such as anti-theft or anti-lock brakes. Also, students with good grades and those who have taken a defensive driving class may also be eligible for a discount.

Drive carefully yourself

To avoid accidents and tickets you must drive safely. Typically, your auto insurance costs tend to increase by as much as 40% when an accident occurs. Also, having too many speeding tickets can create a problem.

Lower your coverage

As a rule of thumb, it may make sense to drop the coverage, if your car is worth less than ten times the premium. To save money, it is recommended to drop collision and comprehensive insurance on older cars.


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