GuestBlogger 
There will always be an affordable insurance plan out there that suits you and your vehicle, but you will need to follow some new rules laid out by the companies. The tips written in the paragraphs below will help the cause. Many factors are considered when assigning rates to drivers.
It is important that your license remains clean. Any accidents or tickets will drive up the cost of your premiums. There are times when you can’t avoid the accident or ticket, so you should check out traffic school to see if this will help clean your record and make your insurance premiums lower.
Insurance Rates
When the time comes to purchase an automobile, find out what the insurance rates are on the models that you are considering. Your insurance agent can inform you which new cars have the lowest insurance rates. This will help you decide between a used car and a brand new car. A car with a higher safety rating will save you money in the long run on the lower cost of your insurance premium.
If you are thinking of adding a teenager to your auto insurance, find out how much it would cost to put them on your policy, versus the amount it would cost to get them a separate policy. Sometimes it is a wiser financial decision to get your teenager their own separate policy.
Sit down with your car insurance agent to prove that you are correctly covered before personalizing your car. You might buy some classy rims that retail for a thousand, but if those rims only increase your car’s value by $30, you’ll be out the other $970 should something happen to your car.
Lots of people hold the false belief that insurance rates magically drop at 25. Insurance starts going down at around 18, depending on their track record.
Insurance Coverage
Never allow your insurance coverage to lapse to keep your rates low. Gaps in insurance coverage could happen when you switch carriers or even just switch policies. Insurance companies will raise your rates if they see gaps in coverage.
Start taking the bus or find a carpool to lower your mileage. One way to secure lower insurance premiums is to use public transportation, so you can put fewer miles on your vehicle. If you take public transportation, chances are your insurance agent can find a way to discount your policy.
You do not have to switch cars to keep the premiums low. By assigning a single driver to each vehicle, you will get more affordable rates.
When buying auto insurance, get quotes from different insurance carriers and compare costs. Each company can offer you a different rate. You want to shop around to find the best price, and you should check rates with different providers at least once a year. Do not just pay attention to the price quotes; pay close attention to the levels of coverage as well.
Try to not add any after-market parts unless you really need them. You don’t need heated seats or fancy stereos. Insurance will rarely reimburse you for any of the tempting luxury extras added to your vehicle after purchase in case of damage or theft.
Consider Dropping
Think about taking some coverage items off of your automobile insurance. If your automobile is not worth much, consider dropping collision insurance from your insurance plan. By dropping it, you can save tons of cash every month. You may also want to consider dropping comprehensive and liability coverage.
Now you know that affordable car insurance premiums are not a rarity. Use the advice in these tips to lower your premiums and be able to afford better coverage.
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