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How To Lower Auto Insurance Costs
By Tim Henry
It seems these days that it costs more and more to keep your car. With most new cars in the $22,000 + range, the monthly payments can be high. The cost of gas is now over $3.00 a gallon for regular and we're in a time where a lot of people drive long distances to get into work. Then, there's the cost of car insurance. Fortunately, you can buy a cheaper car, live closer to work, and by doing your homework, you can save money on car insurance.
The first and easiest way to shop around for is over the internet. Most insurance companies have sites where you can easily plug in your personal information such as type of car, area you live, past driving record, etc. and you can get an instant quote. Some insurance companies even brag that they will give you quotes from three different companies at one time, even if their quote is not the lowest.
To reduce your insurance the first thing you can do is consider lowering your deductible. If you increase your deductible from $500 to $1000 you can save a great deal on your collision and comprehensive coverage. $500 more out of your pocket in case of an accident might seem like a lot, but consider the number of years you'll accrue the savings while accident free. Also, if you pay for AAA you won't need to have towing coverage under your auto insurance.
There are several things you can look for when you purchase your car that might help reduce the insurance costs. Does your car have an alarm system? Lo jack? Anti lock brakes? Air bags? Daytime running lights?
Try to keep your yearly mileage low, this helps lower the cost. Also, if you have a student driver what types of grades is he or she getting? Students with higher grades generally pay less. If you haven't had an accident in more than three years this can be very good news for you. Even better is no traffic ticket and no points on your license. Most insurance companies will reward you for this with lower premiums.
Do you carry homeowners with the same company? This can get you a discount. If you live in an extended family situation
CIGNA Review: Worst I have Ever Had...and I have Had A Lot
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UNICARE Review: Premiums increase every 6 months!
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American Republic Review: Covered Wellness Visits Denied
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Blue Cross Blue Shield Review: Read the fine print
Reviewed by Gamma from Lucedale, Ms on September 15, 2008. Recommend: No.
Blue Cross Blue Shield Review: Premium Disaster
Reviewed by Littledebq from Cambridge, NY on September 9, 2008. Recommend: No.
UNICARE Review: Beware of Unicare!!!
Reviewed by James P. Ullery from Crest Hill,Illinois on August 29, 2008. Recommend: No.
Blue Cross Blue Shield Review: Why pay for Insurance?
Reviewed by Stephanie K. from Marina on July 31, 2008. Recommend: No.
Atlantis Health Plan Review: People I can talk to get what I need done
Reviewed by Marie from NYC on July 22, 2008. Recommend: Yes.
Blue Cross Blue Shield Review: rip off
Reviewed by agreatcutter from Summerfield on July 8, 2008. Recommend: No.
Aetna Review: Costly but worth it
Reviewed by momof4 from Texas on June 25, 2008. Recommend: Yes.
PacifiCare Review: Can't wait to switch
Reviewed by momof4 from saginaw on June 25, 2008. Recommend: No.
Golden Rule Review: Golden Rule pays for Nothing
Reviewed by Michael Bietsch from Nevada, MO on June 24, 2008. Recommend: No.
Atlantis Health Plan Review: Proceed With Caution!
Reviewed by PW from Rockland County on June 19, 2008. Recommend: No.
Aetna Review: Lost Appointment
Reviewed by R from Bay Area on June 3, 2008. Recommend: No.
is anyone else insured by the same company? This could mean another discount for you.
When your policy comes in the mail don't toss it in the drawer, go over your policy, make sure that you understand how they calculate your cost for the policy. It doesn't hurt to shop around for better rates. All it takes is a quick phone call. When you do this make sure you have your policy renewal in front of you so you'll know exactly what your coverage amounts are.
Most importantly, drive safely!About The Author: This article courtesy of http://www.bmw-monster.net
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CIGNA Review: Worst I have Ever Had...and I have Had A Lot
Reviewed by S Stacy from Springfield, Ohio on October 4, 2008. Recommend: No.
Aetna Review: expensive
Reviewed by tom from miami on September 20, 2008. Recommend: No.
UNICARE Review: Premiums increase every 6 months!
Reviewed by Nancy from Texas on September 16, 2008. Recommend: No.
American Republic Review: Covered Wellness Visits Denied
Reviewed by Jay from Cleveland, OH on September 16, 2008. Recommend: No.
Blue Cross Blue Shield Review: Read the fine print
Reviewed by Gamma from Lucedale, Ms on September 15, 2008. Recommend: No.
Blue Cross Blue Shield Review: Premium Disaster
Reviewed by Littledebq from Cambridge, NY on September 9, 2008. Recommend: No.
UNICARE Review: Beware of Unicare!!!
Reviewed by James P. Ullery from Crest Hill,Illinois on August 29, 2008. Recommend: No.
Blue Cross Blue Shield Review: Why pay for Insurance?
Reviewed by Stephanie K. from Marina on July 31, 2008. Recommend: No.
Atlantis Health Plan Review: People I can talk to get what I need done
Reviewed by Marie from NYC on July 22, 2008. Recommend: Yes.
Blue Cross Blue Shield Review: rip off
Reviewed by agreatcutter from Summerfield on July 8, 2008. Recommend: No.
Aetna Review: Costly but worth it
Reviewed by momof4 from Texas on June 25, 2008. Recommend: Yes.
PacifiCare Review: Can't wait to switch
Reviewed by momof4 from saginaw on June 25, 2008. Recommend: No.
Golden Rule Review: Golden Rule pays for Nothing
Reviewed by Michael Bietsch from Nevada, MO on June 24, 2008. Recommend: No.
Atlantis Health Plan Review: Proceed With Caution!
Reviewed by PW from Rockland County on June 19, 2008. Recommend: No.
Aetna Review: Lost Appointment
Reviewed by R from Bay Area on June 3, 2008. Recommend: No.
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