In the previous article on
Getting The Most Out Of Your Car Insurance, we discussed budget,
deductibles, and liability and gave you some ideas to take a look at
in these areas.
If you’re just beginning your insurance consideration or looking
at making some changes to policy and coverages, take the extra step
to get the advice of an auto insurance professional.
If you are shopping for an agent, look for one that has extended
experience and certifications in the field of car insurance.
Taking care of your credit and maintaining a solid credit score
is good practice and will save you money in other areas in addition
to your insurance premiums. And as it the mantra throughout this
website when it comes to buying cars – do your research and shop
around – this advice is no different when it comes to your car
insurance.
Premiums can vary greatly from one car insurance company to
another. The caveat is that you make sure you are comparing apples
to apples when shopping your insurance coverages; to ensure this, be
sure you are specific when getting quotes.
I would also make sure that you have a car rental provision in
your policy. At today’s prices, a trip to the body or repair shop
for your car can easily run you up hundreds of dollars if you don’t
have an extra car handy that you can drive in the interim.
Also make sure you are aware of any and all possible discounts
that are offered by each car insurance provider that you contact.
For instance, if you have gone a number of years without an accident
or ticket you will probably qualify for a ‘safe driver’ discount.
If your car is equipped with all of the modern safety features, a
discount could be available.
Even if your car is stored in garage or drive under a specified
number of miles you may be eligible for a discount. And you can
often save money if the same company that insures your car also has
the coverage on your house and other insurable assets.
Teens with good grades can also save you money if you new drivers
you need to cover as well.
In all, make sure you discuss all the coverages, the deductibles,
what you may be liable for, and any discounts that may be on the
table for you with a qualified insurance representative and make
sure you get details so you are able to shop and compare your car
insurance quotes among various companies.
Next: Get The Most From
Your Auto Insurance - part 3
