When we start looking for auto insurance one of the first problems that we face is the price that we will have to pay for the right coverage, thus we start looking for the best auto insurance rates.
It is a little bit tricky because there is no single standard price for insurance, it really depends on many factors.
An insurance company absorbs the risk of you getting in to an accident and having a financial loss, thus they weight what is your risk of having an accident, the higher the risk the higher the rates you are going to pay.
There are some factors that you can not control which determines the rates you are going to pay, but there are other factors that you can easily control, so lets take a look at some things that you have to consider.
- Get a Cheap or low value car that is cheap to repair or replace, if your car does not cost that much to repair you will pay lower rates.
- Avoid cars that are classified as high risk, there are some types of cars that are statistically more prone to accidents like sports cars, avoid them or you will pay sky high rates.
- Keep a low mileage, maybe you need your car just for going to work, then dont use it when is not really necessary, this way you will keep your mileage low and your rates will be lower.
- Have a good driving record, this is one of the best things that you can do, if you dont have tickets and dont have many claims, you will pay lower prices.
- Install safety devices on your car, insurance companies like cars that are safe to drive.
- Increase your deductible to lower your premium rates, just make sure that you can afford it.
Those are some of the best tips to help you get the best auto insurance rates, remember to also ask for additional discounts that you may qualify, for being good students, taking a defensive driving course, having a good credit score and others.
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