Hybrid vehicles are really underrated in terms of insurance prices. So if you want to save money on insurance, you might want to look at purchasing some type of hybrid vehicle. Apart from the great tax savings, you will also stand out as a low-risk driver in a hybrid, and thus your insurance premiums will ultimately drop.
Although you may not want to switch your vehicle you ought to know that the vehicle you drive highly impacts your premiums. If you are driving a flashy sports car versus a simple entry model Chevy, the sports car will cost more to cover. So if you want to keep premiums down, keep the flashiness down.
When shopping for the lowest quotes on car insurance be sure to get quotes for your state?s minimum requirements. Some insurance companies will give you a quote based on what their default coverage limits are, which are usually higher than the minimum state car insurance requirements.
Always have a new policy lined up before you cancel an insurance policy. Otherwise, you could end up with a lapse of coverage. Even a lapse of a single day can raise your car insurance rates significantly. The new company will be able to set up your policy to match up with cancellation of the old policy, so you don?t overpay.
If you are insuring a new vehicle with a lien, consider purchasing replacement cost coverage on the vehicle. While standard coverage protects you from expenses related to accidents, it may not fully cover the amount of the lien on your vehicle. Instead, if you have a new vehicle with a lien that is totaled in an accident, you may find yourself several thousand dollars short of replacing the vehicle with standard coverage.
You can reduce your auto insurance policy premium by dropping the collision coverage on an older car. These claims are limited to ?book? value, so you?re not likely to get much if you car is over seven years old. Try dropping collision cover when your annual premium reaches ten percent of your car?s value.
Remove drivers that are on your insurance policy if they are no longer driving. Having inactive drivers just may your increase premium higher than it should be. It is best that as soon as this person stops driving you call your insurance company right away and have them removed.
One tip to lower your auto insurance costs is to keep a good FICO score. Auto insurance companies are starting to look at your score and you will want to have a good one so you can save some extra money. If your score is on the low side work on it to make it higher.
The best automobile insurance tips are the ones you?re able to think of on the fly. For example: If you?re contacting the insurer and asking questions, no one knows your particular situation better than you. Just make sure you cover all the angles here and ask questions that are pertinent to your situation.
Everyone knows that a Ferrari is an expensive car, but what you may not know is that the insurance will be vastly more expensive as well. If you have your heart set on a car like this, make sure that you consider the increased prices of the insurance as well. At times it can be as much as 3 times the price of a normal car.
One way to keep your car insurance costs low is by not buying a sports car. Insurance companies charge higher rates for sporty vehicles since they have higher horsepower, tend to be driven by younger, riskier drivers and are notorious for moving at high speeds. Sticking with a modest, mid-size vehicle may not be much fun, but it can help keep your car insurance rates affordable.
Join an auto club to get better rates and special discounts. Many of these clubs partner with different insurance companies, so if you can join one, you can reap the benefits. Make sure to mention to your agent that you are a member of these clubs. Even if your company doesn?t partner with them, they may still give you a lower rate.
If you want to avoid paying a high premium, don?t drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars.
Try to reduce the miles you drive your vehicle. Your insurance is based on how many miles you drive per year. Don?t lie on the application because your insurance company may check to see how much you drive per year. Find a way to not drive as many miles each year.
As you know, choosing auto insurance can be difficult and confusing. However, if you know the right things to look for and the right tips to follow, it?s not so bad. Hopefully reading this article has given you a better understanding of how to choose an auto insurance provider right for you.
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Source: http://blog.ilove3c.com/2012/08/07/using-the-best-info-out-there-to-save-on-auto-insurance/
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