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Introduction
In the competitive world, there are many companies in the business of insurance causing people to be totally perplexed with their attractive features. There are few points to be taken into consideration before involving yourself with the insurance company as your motive should be to get lowest insurance rates with maximum benefits.
Guidelines to Have Lowest Insurance Rate
There are many schemes offered by the different insurance companies to attract customers towards themselves but these offers make you fickle minded therefore you should be fully acquainted with the latest scenario of the market and consider the following guidelines to tackle these companies according to your own way.
1.Your deductible amount is directly related to your insurance amount. Deductible amount is the first amount paid out of any claim. By showing the increased deductible amount you can easily lower the insurance cost.
2.Type of car used by you also decides the amount of the insurance cost. For example there are few models in the market which have high insurance cost because they are more likely to be stolen. Therefore, before buying a car you should be aware of the approximated insurance rates of the different models.
3.Your complete details like safety features of the car, marital status, etc. should be given to the insurance companies to grab maximum discount as deserved by you.
4.The mileage of your car also decides the insurance rate as both are directly proportional to each other. If the average mileage of the car is more then the insurance rate will also be high but if the average mileage is less then insurance rate will be low. To overcome this problem, you should try some other means of transportation like plane or train while traveling for long distances.
5.Use of antitheft systems like alarm, automatic interlocking, etc. will help a lot in reducing the insurance rate as their application decreases the chances of being stolen.
6.Driving carefully is also one of the major factors in reducing the insurance rate because if you have any history of speed fines or accident fines then the rate of insurance can hike up.
7.At the time of renewal of your policy, be careful as there are some points that can affect insurance cost. There may be some duplicate points that would have been eliminated but can help in getting discounts in rates.
8.There are different quotes for the switch drivers. If women are the drivers then the rate will be less but it is not same in the case of men, they will be charged high insurance rate.