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Saturday, August 8, 2009

How You Can Save On Your Car Insurance With These Tips

By Kelly Zarks

It really does not take much to transform you into a savvy shopper, just consider the following car insurance tips. You might be surprised by how simple, easy, and effective these strategies are at saving you money. Here's some foolproof ways to shave ten, twenty, or even hundreds of dollars off your car insurance policy.

First, drive cautiously. A driving record with few accidents or speeding tickets is not good enough. You will still spend more for a car insurance policy than if you keep your record completely clean. Instead of shelling out your hard-earned money for insurance premiums, carefully observe all traffic regulations and keep the money to yourself.

Take note also of different discounts that car insurance companies are offering. Get familiar with their promos to maximize your benefits. For example, you can incorporate all of your vehicles under one policy to receive a multiple vehicle discount.

You can insure both your house and car on the same policy, and obtain a multiple line discount. You may inquire from companies of further price reductions for good student card report, low mileage, airbag and anti-theft safety systems, newer car model, and occupational and auto club discounts. The more discounts you avail, the more money you will save.

Additional car insurance tips: increase your deductibles if you can, with a reasonable price. Your deductible is how much you will have to initially pay when you make a claim before the insurance company steps in and helps with the costs. If you maintain a minimal deductible, like 250 dollars, your premium will increase. If you have a bigger deductible, say 500 dollars, your premium will decrease respectively.

Whenever you change your address, it's a good idea to make sure your auto insurance is still the best deal in that area. Frequently when you move you can find better rates for your new location than you could previously. Auto insurance companies are like snowflakes, they all have the same idea in mind, to insure their customers, but each one uniquely tailors their own plan to go about doing this. So if someone tells you it does not matter which company you pick for insurance so long as you have it, do not believe them.

The best advice that you can get to save money on your insurance is to shop around. Don't just pick the insurance with the cheapest premium, because the quote may not include the same coverage from one plan to the next. Instead, be sure you compare and contrast plans with similar coverages, deductibles, and limitations, so you know you're really getting the best possible deal.

Checking out websites that compare insurances may prove useful for collecting needed facts about different plans. Hopefully these car insurance tips are exactly what you need to start saving money on your premiums today. - 21396

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