Discount Auto Insurance Quotes
When looking for discount auto insurance quotes, there are several tips that will help you find better and cheaper deals.
Make Your Car Safer Making your car safer is very valuable on its own, not to mention the lowered insurance premiums.
It is good for peace of mind to know that your car is protected by a car alarm, immobilizer, tracking device, and other safety features.
Many new cars come with various factory-fitted safety devices, such as car alarms and immobilizers.
If your car does not have any of these installed, having them installed will help you to make your car safer and also to lower your premiums.
If you are in the process of purchasing a car, you may want to check whether it already has any security features.
You may get additional discounts if your car is equipped with air bags, automatic seat-belts, anti-lock brakes, or a tracking device.
Decrease Your Mileage Some companies offer good discounts if your mileage is low.
While there are many insurers that will not offer such discounts and will only ask you about how you use your car (pleasure, work, business, etc.
), other companies will also ask about your average mileage, and give you discounts if your mileage is lower than a predetermined value.
Set a Higher Deductible The deductible is what you'll be required to pay out of your own pocket in the event you make a claim, before your insurance kicks in the rest.
For instance, let's say you have set a $300 deductible, and then placed a $2,000 claim.
First, you will have to pay $300, and then your insurer will pay the rest - $1,700.
When setting your deductible, make sure that you are comfortable with paying this amount out of your own money in case of a claim.
Note that your premiums may decrease by as much as one fourth or more if you set a higher deductible.
An Older Car - Consider Dropping Your Comprehensive and Collision Coverage Some older cars may not need the comprehensive or collision coverage, if they are not worth too much (e.
g.
, less than $1,000).
First of all, your premiums may actually cost you more than the actual value of your vehicle.
Opt for Lower-Profile Cars If you are looking into purchasing a new car, note that lower profile cars are cheaper to insure.
Lower profile cars are vehicles that are stolen less frequently and are cheaper to repair than other cars.
Check for Various Discounts Auto insurance companies offer all sorts of discounts to drivers who they consider to be safer.
For instance, an insurance company may offer discounts to: drivers who have another policy (homeowners, travel, motorcycle, etc.
) with this insurer, drivers with good driving records, drivers who undertook defensive driving training, students with good grades, etc.
Cheap auto insurance quotes are easy to find if you do your research and comparison, as well as if you remember to look for the discounts that may be available for you.
Make Your Car Safer Making your car safer is very valuable on its own, not to mention the lowered insurance premiums.
It is good for peace of mind to know that your car is protected by a car alarm, immobilizer, tracking device, and other safety features.
Many new cars come with various factory-fitted safety devices, such as car alarms and immobilizers.
If your car does not have any of these installed, having them installed will help you to make your car safer and also to lower your premiums.
If you are in the process of purchasing a car, you may want to check whether it already has any security features.
You may get additional discounts if your car is equipped with air bags, automatic seat-belts, anti-lock brakes, or a tracking device.
Decrease Your Mileage Some companies offer good discounts if your mileage is low.
While there are many insurers that will not offer such discounts and will only ask you about how you use your car (pleasure, work, business, etc.
), other companies will also ask about your average mileage, and give you discounts if your mileage is lower than a predetermined value.
Set a Higher Deductible The deductible is what you'll be required to pay out of your own pocket in the event you make a claim, before your insurance kicks in the rest.
For instance, let's say you have set a $300 deductible, and then placed a $2,000 claim.
First, you will have to pay $300, and then your insurer will pay the rest - $1,700.
When setting your deductible, make sure that you are comfortable with paying this amount out of your own money in case of a claim.
Note that your premiums may decrease by as much as one fourth or more if you set a higher deductible.
An Older Car - Consider Dropping Your Comprehensive and Collision Coverage Some older cars may not need the comprehensive or collision coverage, if they are not worth too much (e.
g.
, less than $1,000).
First of all, your premiums may actually cost you more than the actual value of your vehicle.
Opt for Lower-Profile Cars If you are looking into purchasing a new car, note that lower profile cars are cheaper to insure.
Lower profile cars are vehicles that are stolen less frequently and are cheaper to repair than other cars.
Check for Various Discounts Auto insurance companies offer all sorts of discounts to drivers who they consider to be safer.
For instance, an insurance company may offer discounts to: drivers who have another policy (homeowners, travel, motorcycle, etc.
) with this insurer, drivers with good driving records, drivers who undertook defensive driving training, students with good grades, etc.
Cheap auto insurance quotes are easy to find if you do your research and comparison, as well as if you remember to look for the discounts that may be available for you.
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