Get the Best Deal for Car Insurance by Purchasing a Package of Services

ByGary P Nugent

Go online for advice to see what models are "hot" items that attract thieves, such as vehicles with high-powered HEMI engines, sports cars, and some models of Toyota and Honda. Then, avoid them when you get to the dealership. You also need to consider the neighbourhood in which you live. Areas where there is more burglary and theft are naturally going to translate into higher insurance rates.

Next, go online to the many car insurance sites and enter in the make, model and coverage you want for a particular model you may buy. You will be surprised at the great variety of possible policies and premiums which exist between providers. Even if you are with a company that you trust, you should still check out their website. Do not forget the advantage of using the services of insurance brokers too, as they are connected to a huge network of providers and will work diligently to get you the best price for your car insurance. Check with the Better Business Bureau in your area if you decide to go with a company that is not well known.

And, keep your driver records clean! Never drive while drinking, as an impaired charge will raise your car insurance rates for years. And if you should happen to have an accident, your rates will also be affected. Handle your vehicle with care and precaution at all times; do not speed, and if you are going to a party where you will be drinking alcohol, use a taxicab or consult with friends or family to provide a designated driver.

Compare the deductible amounts with each quote. The higher the deductible, the lower your car insurance rates will be. It might be a good idea to go as high as $1,000 because you will easily save that money over the one-year term of the policy. Keep the amount equivalent to the deductible in a savings account so that you do have it available if you should have an accident.

If your vehicle is ten years or older, you can likely drop the collision and comprehensive insurance on it. Standard collision coverage includes damages to your car when an accident is your fault. Comprehensive car insurance covers "acts of God," such as fire, theft, and flooding or hurricane/tornado damage. As the coverage will only go as far as the value of your car, if it is an older model, it may well be advisable to discontinue paying for it and drop it from your policy.

Once you find a car insurance company that you are happy with, consider adding your home owner's policy and any other property such as a lake cottage. Often you will be recognized for your loyalty, further lowering your premiums.

Do not be rushed, compare all the figures from all the quotes, and drive carefully and responsibly, and you will be rewarded with the peace of mind that you have made the best possible choice for your car insurance needs.

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Insurance: Car-Auto
Gary P Nugent

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesLow Rate Car Insurance - Secure Cheap Rates Using These Simple Ways!Auto Insurance Rates - What Affects Rates and How Rates Are CalculatedNew York Auto Insurance - How Your Car Affects Your RatesSports Car Insurance - Lower Your Auto InsuranceFree Insurance Quotes For Cars - Where to Get the BestCar Models With the Lowest Insurance Rates - 5 GuidelinesHow to Get Low Rate Car Insurance for TeenagersCar Insurance For Woman - Get Cheaper Rates!It Really is Possible to Get Low Rate Car InsuranceHow to Get Low Rate Car InsuranceRecent ArticlesHow Save Money On Your Auto InsuranceTips on How to Pay for Car InsuranceWhy You Should Own a ConvertibleChoosing a Good Auto Insurance CompanyTips on Getting Auto Insurance Quotes OnlineThe Steps For Filing A Car Insurance ClaimTheft of Personal Property From Car - Does Your Insurance Cover It?Learning From A Vehicle Insurance OverviewHow to Choose the Right Car Insurance PlanWhat Information Do I Need to Compare Car Insurance Online?Submitted On January 04, 2012. Viewed 9 times. Word count: 499.

MLA Style Citation:
Nugent, Gary P.".".4 Jan. 2012EzineArticles.com.26 Jan. 2012 .APA Style Citation:
Nugent, G. P. (2012, January 4). . Retrieved January 26, 2012, from http://ezinearticles.com/?Get-­the-­Best-­Deal-­for-­Car-­Insurance-­by-­Purchasing-­a-­Package-­of-­Services&id=6796417Chicago Style Citation:
Nugent, Gary P. "." EzineArticles.com. http://ezinearticles.com/?Get-­the-­Best-­Deal-­for-­Car-­Insurance-­by-­Purchasing-­a-­Package-­of-­Services&id=6796417EzineArticles.com© 2012 EzineArticles.com
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