Car insurance quote

You do not have to accept very expensive car insurance rates as the end of the story. I had one minor accident and then purchased a newer model car. I thought I was doing a good thing by getting a more fuel efficient car that had better safety features. However my old insurance company did not see it the same way, apparently, and saw an opportunity to increase my rates by 50%. I was stunned. However since I am an insurance writer, I took a spoonful of my own advice. I followed some simple steps and actually cut my rates to less than they were on my older car.

Compare Quotes – I cannot tell you how important it is to compare prices with different car insurance companies. Factors like your age, credit report, driving history, and even zip code go into the way they figure rates. But different highly rated companies calculate these factors differently. You can save money by comparing rates. Look for Discounts – My new company offers a 30% discount for airbags, while my old company did not discount the safety feature as much. They also gave me a 5% discount for anti-theft devices, and actually forgave my 1 accident and gave me a safe driver rate. My old company would not forgive 1 accident, and that is part of the reason my rates were so high! Consider taking a safe driver course. You can take these on your PC or DVD nowadays, and you can usually get a 10% discount on car insurance. This is really important if you have had a ticket or accident in the last 3 years. If you are insuring a new driver, make sure they take an accredited driving course too. This can really help out with rates. It should be simple to find courses by consulting your insurance company or looking them up on the internet. Combine policies. Most of the large car insurance companies love multiple policies and offer discounts to get all of your business. Homeowners and car insurance discounts are common. If you are insuring a young driver, consider getting them an older car and only putting liability insurance on it. Maybe your 16 year old son does not need to drive the brand new Lexus and would be satisfied with a 4 year old Dodge. This is a great tip I got from an experienced car insurance agent.
You do not have to accept a huge rate increase on your car insurance bill. This is a very competitive business these days, and it is easier than ever to compare prices and find discounts. If you think you are paying too much for insurance, you can do some insurance shopping very quickly with online quote comparison forms.

By: Marilyn Katz

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