Saturday, July 14, 2012

Before You Buy Auto Insurance, Check Out These Top Tips ...

Without the proper knowledge, shopping for car insurance has the potential to cause a great deal of stress. It is important to be well informed when purchasing insurance so that you are not over or under-insured. This article is filled with tips that will give you the information you need to get a great auto insurance policy.

You should trade in your car for a model that is less sporty. When you have a sports car, it will cost more to insure. A car with a lower profile on the street will be a better decision. The larger the motor is in the vehicle, the more that it is going to cost you to insure it. Sports cars also cost more for the insurance, because they are stolen more often than other cars.

During the first two months of coverage, insurance companies can end your coverage without telling you why. Your insurance agent will look at your driving record to ensure you do not pose a liability. If you do have your policy terminated, you will probably have to pay a lot higher premiums for a couple of years.

Take the time to get quotes from different car insurance companies. It is quite surprising just how much variance there is when it comes to this product. An annual review of your policy and its premium price against comparative firms is important to ensure that you are always paying the best price available. Make sure these quotes are for a similar amount of coverage when you're comparing rates.

If you pay several policies with one company, you may qualify for a discount. Which means you would benefit more if you get insurance for your car and your home at the same time. Make sure you are getting a good deal and decent coverage; in some cases two separate insurance policies is still a better choice.

If you are involved in an accident and must file a claim with your insurance company, be sure to provide ample documentation. Have a digital camera handy to take pictures in case your get into a car accident. Keep your camera in your glove box if you do not have a camera on your phone.

It is a common misconception that the cost of auto insurance automatically drops as the driver reaches 25 years of age. However, your insurance rates will actually start going down once you're 18, as long as you keep driving safely.

Inquire if your insurance company has discounts that may reduce your premium. In many cases, you'll be able to get a discount if you drive under 7,500 miles yearly. Your premium may also be decreased if you use public transportation to commute to work. If not, another option is carpooling.

Believe it or not, the amount you drive can affect your insurance premium. Most insurance companies will lower your premium if you drive less.

If you get into an accident, automobile insurance can save you from a very costly mistake. If you are going through a difficult time period, you can rest assured, because if you have good insurance you will be okay. Make use of the advice given in this article to get the coverage that's right for you now.

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Source: http://www.edirectory24.com/articles/before-you-buy-auto-insurance-check-out-these-top-tips/

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