Are You A High Risk Driver

Some auto insurance companies automatically sign you up for additional services that you may not need and will cost you more on your premium. Watch out for services such as towing coverage, rental reimbursement and uninsured motorist property damage.

Although the rates for auto insurance are based mainly on the driver’s record, they are also heavily influenced by the car that the driver possesses and often drives. Statistically, some cars have a greater likelihood of being involved in an injury or, in the event of an injury, incurring a larger payout from insurers. Drivers who drive these cars will normally pay steeper premiums than drivers who driver safer cars.

A great way to lower the auto insurance premiums is by maintaining a clean driving record. Insurance companies give preference to candidates with low-risk profiles. How can you have a good driving record? Simply obey the traffic rules and drive slowly and safely.

Raising the safety value of your vehicle will strengthen your position in obtaining discounted auto insurance rates. Install additional safety devices or attributes in your vehicle like anti-theft devices, airbags and automatic seatbelts. Several auto insurance companies automatically offer you discounted premiums upon discovering these safety measures.

If you do not have access to the net, you can use the phone when comparing cheap auto insurance rates deals. You can also visit the physical offices of each of the companies to get a quote. This can be fairly time consuming, but it is still a decent approach to comparing different rates if you do not have access to the net or a phone. The Insurance Information Initiate has compiled a summary of the most costly states for automobile insurance:

  • New Jersey
  • D.C.
  • New York

Created by Kirsten GN Scamardo

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