Spend Less With Cheap Car Insurance
Nobody likes paying more for something than is necessary. Auto
insurance is no different. Since it is required, you cannot avoid paying
for insurance. But you do have some control over how much you pay.
With cheap car insurance, you can save hundreds of dollars on your
annual premiums. There are several ways you can get this type of
insurance.
Driving Record
Customers with good driving records will have better rates than those
with speeding tickets or accidents on their record. A clean driving
record, especially over a long period of time, tells the insurance
company you are not a risk to them. And, at the heart of it, that is
really what your premium rate represents - the amount of risk you pose
to the company. If you have blemishes on your record, work to improve
it. This will take time as violations stay on your record for a period
of time. However, you can enroll in an advanced driving course to
demonstrate your commitment to safe driving.
Credit Score
Like your driving record, your credit history paints a picture for
insurance companies. The industry belief is that if you have a poor
credit score, you are more likely to submit claims. While this is not
necessary true for every individual, it is based on industry experience.
Many people are not even aware their credit score is used to determine
insurance rates. Insurance companies do not have to get your
permission to access that information so you may not know they have
until you get a final proposed rate.
Discounts
Another great way to get cheap car insurance is with discounts.
Insurance companies use discounts to reward customers who meet certain
requirements. While they are not all the same, companies tend to offer
standard discounts as well as their own discounts. The more discounts
you receive, the more you save on premiums. It is possible to save
hundreds of dollars on annual premiums with discounts alone.
Comparison Shop
Contact several cheap car insurance companies to get quotes from them
for specific coverage. Be sure to ask about discounts. Then compare
policies and rates to see which is best. If you want to stay with your
current insurance agent but you received a better offer from another
provider, take that offer to your agent and see if they will match it
which they probably will to keep you as a customer.
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