GuestBlogger Make sure you keep you license clean. If you have accidents or driving tickets on your record, this can vastly increase the amount you have to pay for your insurance. If you cannot avoid an accident or a driving citation, look into going to traffic school to clean up your record and lower your insurance.
When you are looking into getting car insurance, you need to know and understand the coverage types. Even though you may be getting insurance for one vehicle, there are many factors involved in the final cost. Bodily injury liability covers legal costs, death and injury claims if you were to hit someone.
To save money when pricing car insurance for your teenage driver, make sure you price out a separate policy for them and compare the cost to what it will change the price if you add them to your current policy. Depending on the vehicles involved it is sometimes cheaper overall to buy them a different policy.
To make sure that your car insurance is correctly covering you, sit down with your agent before making purchases of things that personalize your car. A set of rims might set you back $1,000 but if they only add $30 of value to the car according to the appraiser, you will lose the difference in the event that the vehicle gets stolen.
Really determine what types of coverage you need on your car insurance. While there are a lot of options available to you, not all of them will make sense. If your car is only worth a couple thousand dollars, it doesn’t make sense to pay extra to replace it if it is stolen or damaged. On the other hand, if you are accident prone, paying for collision coverage may be a good idea.
Take the bus, or carpool. Insurance companies love it when a consumer shows responsibility, and lowering your mileage is one way to show this to them. If you tell your agent that you have been riding the bus or carpooling, chances are he can find a discount to reduce your premium.
Do not switch cars between family members to keep your premiums low. Having only one name attached with each car will net you a better price on your insurance. Just be careful to stick to the names you set as you may have issues if an accident happens, and the registered driver isn’t the one in the driver’s seat.
When purchasing car insurance, it is important to keep in mind that they are only insuring the driver of the car that is on the policy. Many times people will let a friend borrow their car, and if they get in an accident, the insurance refuses to pay. You can opt for coverage that will allow other people to drive your car, though you will have to pay a little more for that.
Reconsider buying after-market add-ons for your car that you do not really need. Heated seats and a great stereo system are nice, but you do not really have to have them. If your car is totaled or stolen, your insurance will not reimburse you for the damage done to it.
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