If you follow the rules your insurance company sets out, and follow these few tips, you’ll be able to obtain affordable auto insurance with no problems. Many factors are considered when assigning rates to drivers.
Try to keep a good driving records. Any accident reports or moving violations on your record will greatly increase your insurance premiums. If you already have a infraction on your license, check with your insurance company to see if attending traffic school, or a safe driving course can get your premiums lowered.
Many states require that you must have liability insurance if you own a car. It is up to you to find out whether your state has such a law and, if it does, make sure you are in compliance with it. If you get into an accident, and you do not have insurance you will suffer financially, but there is also a chance that you can get in legal trouble.
Avoid letting your insurance coverage lapse to help keep your rates lower. You should be careful to not have a gap in your coverage when you are switching from one insurance provider to another. If a company finds these lapses, they will raise your rates.
There are insurance plans beyond what is legally required that offer better protection. Though your premium rates may rise, you may find that these options are worth it. If you get in a hit-and-run accident or one where the other party has no insurance, you will be out of luck unless you have uninsured motorist coverage.
In an effort to keep insurance premiums affordable, avoid switching cars among family members. Making sure each car only has one driver will result in a better price for your insurance.
In many states, auto insurance doesn’t insure only the vehicle, but the person driving that vehicle, as well. That means that if someone else is driving the car and totals it, the insurance company will deny the claim. You might have to get an addition to your coverage to allow for this.
If your budget can handle it, try paying your auto insurance in full. Car insurance companies can tack on anywhere from $3-$5 on average a monthly bill. It may not seem like much, but it adds up quickly. In addition, it is more difficult to pay your bill in this manner when you add it to the rest of your monthly expenses. If you cannot pay annual payments, you can look into semi-annual payments to keep down the costs.
If you own a sports car, consider downgrading it to another model. It is more expensive to get car insurance for sports cars. Consider buying a more conservative vehicle. The larger the motor is in the vehicle, the more that it is going to cost you to insure it. Expensive vehicles are frequently targets of theft. This factors into your insurance cost.
The best auto insurance advice is to keep a clean record while driving. Getting in a cat accident will cause your premiums to increase right away. If you are at risk of getting in an accident try to avoid the situation. For example, if your night vision is poor, avoid driving at night.
If you plan on moving soon, look into how your new home will affect your insurance rates. Insurance rates will depend upon if you live in a large city or in a rural town. For the most part, rural and suburban areas tend to have lower insurance rates than urban areas.
Request from the insurance agent a detailed list of available discounts. Comb through the list, and consider which ones you are eligible for. This could end up saving you a lot of money.
Compile a list of every discount your company offers, and then carefully go through that list to see which ones you are qualified for. Many people miss out on discounts that they’re actually eligible for simply because they do not do their homework.
If you drive no more than 7500 miles annually, you will likely qualify for a sizable discount from your insurance company. If you’re able to cut back on driving by carpooling or using public transportation, your insurance rates just might benefit.
As you see, getting the right coverage for your car is not as difficult as it may seem. You can substantially lower your premiums by using the tips in this article.