ifydcat Auto insurance can be quite expensive, especially if you do not take the time to shop around. You could save a lot on auto insurance premiums by following these five tips.
Get quotes from many different companies. You will be able to find out about many different options on the Internet instead of limiting yourself to the companies you have seen advertised on TV. When getting a quote, do not share your personal information. You should only let the insurance company know about the make and model of your car and your driving habits. Keep in mind that prices will vary in function of how long you have been driving and how good your driving record is. Get all your quotes within the same week so your credit score is not affected.
Do not buy a vehicle that is too expensive for you. Even though owning a brand new luxury car is something you have been dreaming about for a long time, think about getting a quote for your insurance on this make and model before you purchase the vehicle. In a lot of cases, car salesmen will convince you that you can afford a luxury car by offering low monthly payments, but they will not mention how much your insurance will cost. You will be better off purchasing a used but reliable and affordable vehicle.
Take a driving class. Years have probably passed since you went through drivers ed and you have more than likely lost most of the good reflexes you acquired. A lot of insurance companies will pay for these classes or even offer their own seminars. Going to driving classes is not fun, but it could help you get lower premiums and prevent accidents. You should get in touch with your insurance agent, ask about these seminars and find out what kind of discount you would be eligible for.
Your premiums will go up every time you file a claim. Think about this before you file a claim for minor damages you could afford to fix yourself. For instance, if there is a small dent in your car, take the time to figure out how much paying your deductible and increased premiums will cost you. You might be better off fixing the dent with your own money. If your car is only slightly damaged, perhaps you could wait and get it fixed in case you have to file a claim for something else.
Buying your insurance in a bundle should make you eligible for an interesting discount. You should be able to get an auto insurance for more than one vehicle and an insurance policy on your home at a very good price. Besides, getting a home insurance means damages caused by a tree falling in your driveway will be covered: you can now remove this clause from your car insurance. Compare different options and do not purchase more coverage than you need because it came in a bundle.
Follow these top five tips and you should be able to save a lot on auto insurance. Take the time to shop around and do not let TV commercials fool you.
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