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Monday, April 16, 2007
Isn't It Time For You To Get Better Car Insurance Rates?
So many people today are having a little difficulty finding the resources for their financial obligations. Besides having credit debt, there may also be limited income. One of the ways that you can cut some corners for greater savings is to reduce your monthly car insurance costs. Oftentimes there are some extras that you may not need, or other ways to save. Here are some tips for you to be able to get your own better insurance rates.
Review Your Car Insurance Policy
Take out your present car insurance policy and look at the things that you are being given discounts for. Depending on your age and experience, you may be able to get discounts that are currently not yet listed. If you took driver's education classes, see if these are listed, as well as any security devices you have. Or, if you have recently been married, or have a second car, you can get discounts on these things, too.
Besides these, see what options you have. If you do not understand what they are for, talk to your insurance agent and ask questions. He or she will be glad to explain them to you.
Talk To Your Agent About Reducing Extras
While you are talking to your insurance agent, ask them what other things you may be able to do to get better insurance rates. They may suggest that you drop a couple of items that you do not really need. Also, if you have any grown children on your policy that now have their own cars and their own insurance, they do not need to be on your insurance.
Another thing that you can do is to see about reducing your deductible. This is the amount of money you pay first. The lower the deductible means the higher your monthly premiums are going to be. If your deductible is only about $250, then you are probably paying more than you should. Try raising it to either $500, or, even better - $1,000. Remember, though, that whatever your deductible amount is, that you will have to pay it before your auto insurance company will pay anything.
Something else that you may be able to do, if you are driving an older car, is to drop your comprehensive insurance. This covers the cost of your vehicle when you get in an accident. Chances are that if you are now paying for comprehensive insurance, and if your car is more than 10 years old, that you are paying the value of your car each year.
Get Comparison Quotes Online
If you still are not satisfied, then you can go online and get some car insurance quotes. The ideal way to do this is to go to an auto insurance brokerage Web site (more than one company) and get several quotes with one application. Go to at least two such Web sites and get about 7 or 8 different quote. By comparing them carefully, you may be able to come out with a better deal.
Review Your Car Insurance Policy
Take out your present car insurance policy and look at the things that you are being given discounts for. Depending on your age and experience, you may be able to get discounts that are currently not yet listed. If you took driver's education classes, see if these are listed, as well as any security devices you have. Or, if you have recently been married, or have a second car, you can get discounts on these things, too.
Besides these, see what options you have. If you do not understand what they are for, talk to your insurance agent and ask questions. He or she will be glad to explain them to you.
Talk To Your Agent About Reducing Extras
While you are talking to your insurance agent, ask them what other things you may be able to do to get better insurance rates. They may suggest that you drop a couple of items that you do not really need. Also, if you have any grown children on your policy that now have their own cars and their own insurance, they do not need to be on your insurance.
Another thing that you can do is to see about reducing your deductible. This is the amount of money you pay first. The lower the deductible means the higher your monthly premiums are going to be. If your deductible is only about $250, then you are probably paying more than you should. Try raising it to either $500, or, even better - $1,000. Remember, though, that whatever your deductible amount is, that you will have to pay it before your auto insurance company will pay anything.
Something else that you may be able to do, if you are driving an older car, is to drop your comprehensive insurance. This covers the cost of your vehicle when you get in an accident. Chances are that if you are now paying for comprehensive insurance, and if your car is more than 10 years old, that you are paying the value of your car each year.
Get Comparison Quotes Online
If you still are not satisfied, then you can go online and get some car insurance quotes. The ideal way to do this is to go to an auto insurance brokerage Web site (more than one company) and get several quotes with one application. Go to at least two such Web sites and get about 7 or 8 different quote. By comparing them carefully, you may be able to come out with a better deal.
# posted by gopi @ 8:48 PM 
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