| Are You Still Paying Too Much for Car
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| | own outright.
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| Insurance? You will find a checklist of
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| | If you own a clear title to your car,
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| items to ask your insurance agent that
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| | meaning there is no bank loan on it, then
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| may qualify for discounts. Keep in mind
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| | you may want to consider dropping the
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| that not all discounts can be applied
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| | collision/comprehensive coverage. As a
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| with all insurance companies in all
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| | rule of thumb, if the cars value is less
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| states.
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| | than $3000, it may not make sense for you
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| 1. Shop Around
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| | to pay for this additional coverage. Over
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| Go to your favorite search engine and
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| | time, the cost of the additional
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| type in free car insurance quotes online.
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| | insurance premium will exceed the value
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| You'll see a long list of insurance
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| | of the car. It's pretty simple math.
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| companies that you may even be familiar
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| | Check the fair market value of your car
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| with. Visit at least five car insurance
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| | either through or even your local
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| websites and look for a link to free
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| | newspaper. See what other people are
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| quotes. You will then be asked basic
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| | trying to get for the same car. Keep in
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| information about yourself, your driving
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| | mind your cars mileage, condition, and
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| history, and your car's make, model, and
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| | age. Has it been in an accident before?
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| year. It just takes a couple of minutes,
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| | Does it have unusually high mileage in
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| and shortly thereafter, they will email
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| | excess of 15,000 miles per year? Does it
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| you a no obligation quote. Write down
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| | need new tires? You get the idea. Be
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| their website address, their toll free
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| | realistic, because in the event that this
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| number, and customer service email
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| | car is in an accident and is damaged
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| address.
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| | beyond repair, it is unlikely you will
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| Each insurance company will ask you
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| | get the full value of the car.
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| generally the same questions, and will
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| | 3. Ask About Insurance Rates in Different
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| give you options about how much coverage
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| | Areas
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| you will want. Find your current policy,
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| | Rates can vary widely even in the same
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| if you have one, and take note of the
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| | state. Different locals have different
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| coverage you currently have. Always
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| | accident rates, population, and crime.
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| provide the same information and ask for
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| | These all factor in to the final cost. If
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| the same coverage at each company so you
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| | you are moving to a different area, ask
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| will be comparing apples to apples. Read
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| | about what the rates are for that town.
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| the fine print and make sure nothing is
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| | 4. Ask About Getting Other Insurance
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| excluded from the quote like Rental car
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| | Policies Together With Your Auto
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| coverage, towing, medical, etc...
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| | Insurance
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| For the purposes of the quote, the
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| | Combining insurance policies with the
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| insurance company will not ask you your
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| | same company can often give you
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| social security number, but keep in mind
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| | additional discounts. If you own a home,
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| your actual cost maybe higher or lower
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| | ask about combining your homeowners
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| depending on your credit history. If
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| | insurance with your auto insurance. Also
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| you're not sure about some of the
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| | ask about other polices, such as life,
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| terminology or coverage, take notes so
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| | health, and business insurance. Most
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| that you can ask the insurance company
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| | insurance companies cover a wide range of
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| about them directly.
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| | policies and will give substantial
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| Once you have at least five quotes
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| | discounts when you do business
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| emailed to you, take the lowest two or
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| | exclusively with them.
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| three quotes and see if they are less
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| | 5. A Clean Credit History Can Reduce Car
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| than what you are paying now. Most likely
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| | Premiums:
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| at least one of them is much lower. At
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| | Having good credit can also lower your
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| this point you will want to call them
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| | insurance costs. Many insurance companies
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| directly to get the most accurate quote
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| | will use credit information to price auto
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| by providing additional personal
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| | insurance policies. Drivers with good
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| information. For additional discounts,
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| | credit and a clean driving record may
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| here is a checklist of things you should
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| | qualify as a "preferred" customer with
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| ask about.
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| | lower risk and will be rewarded with
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| [ ] $500 deductible
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| | lower premiums.
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| [ ] $1,000 deductible
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| | 6. Low Mileage Discounts
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| [ ] Paying monthly, semi-annually, or
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| | Some companies offer discounts to drivers
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| annually
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| | who drive a lower than average number of
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| [ ] More than 1 car
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| | miles per year. If you car pool, take
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| [ ] No Accidents in 3 Years
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| | public transportation like the subway, or
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| [ ] No Moving Violations in 3 Years
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| | work from home, you will most likely
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| [ ] Driver Training Courses
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| | drive few miles per year than the average
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| [ ] Defensive Driving Courses
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| | driver.
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| [ ] Anti-Theft Devices
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| | 7. Group Insurance
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| [ ] Low Annual Mileage
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| | Some insurers offer discounts to drivers
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| [ ] Air Bags
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| | who work for certain companies or belong
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| [ ] Anti-Lock Brakes
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| | to professional associations, and alumni
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| [ ] Daytime Running Lights
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| | groups. Ask your employer, group or clubs
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| [ ] Student Drivers with Good Grades
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| | that you belong to if they have any
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| [ ] Auto and Homeowners Coverage with the
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| | special arrangements with different
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| Same Company
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| | insurance companies.
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| [ ] College Students away from Home
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| | Using all of these tips can save you
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| [ ] Long-Time Customer
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| | hundreds of dollars per year, especially
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| [ ] Other Discounts
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| | when you have multiple cars and multiple
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| 2. Saving Insurance Premium on cars you
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| | drivers in the same household.
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