Money Saving Tips for Buying Car Insurance and Lowering Your Premium

ByMarkito Diaz

It is a pretty well know fact that car insurance is a necessary expense that the vast majority of us have to deal with, whether we like it or not. The frustrating fact is that most insured people never get to avail of the services of car insurance companies, although insurance is required by law and provides peace of mind. Thus, learning how to save money when buying insurance is critical to alleviate the pain of insurance payments.

Of course, we all want and need to be adequately covered in the case an unexpected and unpleasant event occurs. Inertia and procrastination are in all likelihood the two biggest obstacles to the subject of how to save money when buying car insurance; however, car insurance should be periodically reviewed as circumstances and even rates can sometimes change to your benefit.

Follow these out lined tips on how to save money when buying insurance and you will be on your way to keeping more money in your pocket at the end of the day by paying for a much lower insurance premium on that new or used car that you've just bought:

* Determine how much insurance is required for your personal situation. Compare the total annual insurance costs to the replacement cost of a suitable car if such is required and gain better insight into whether a comprehensive policy is preferred.

* Do not let your car insurance policy lapse, as finding a replacement policy can become more expensive and not as easily attainable after thirty days of not being covered.

* Obtain quotes from a minimum of three major insurance companies under different scenarios.

* Driving habits are an important consideration, although this factor tends to be easily forgotten when crunching the numbers.

* Inquire about all available discounts and fully utilize them. This could be an added incentive for teen drivers to be cautious in their driving. Combined coverage and additional safety equipment can generally lower your premiums.

* Higher deductibles can lead to extra savings, although the reduction in premiums tends to be minimal unless the deductible is substantially raised.

Getting serious about how to save money when buying car insurance can definitely lead to significant savings, and if you are contemplating replacing your car, check the facts about the most stolen along with the most expensive to repair cars and avoid those. Some car insurance companies furthermore even offer pay as you drive policies.

http://www.comparecarinsurancecheap.com

Article Source:http://EzineArticles.com/?expert=Markito_Diaz

Did you find this article helpful?00Get Involved0 commentsSuggest a topicArticle ToolsPrint this articleE-mail to a friendEzinePublisherReport this articleCite this articleStay InformedGet notified by email when new articles are added to this category or written by this author.Subscribe to New Article Alerts:

Insurance: Car-Auto
Markito Diaz

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesAuto Insurance Decisions to Make Before Buying a CarBuy Cheap Car Insurance Online - What You Need To Know Before Taking the PlungeBuy Your Car in Cash! Get an Auto Loan!How to Save Money and Get Discount Homeowner's Insurance in ColoradoHow to Buy a Car Online - Easy Buying Tips For Great Deals"How to Buy a Car" Like a Pro! From a Pro!Car Buying Tip 1 - 6 - Essential Steps For Buying a CarHow to Use a "Vehicle History Report" and a "History and Condition Report" When Buying a Car OnlineWhat Are Some Shopping Strategies for Buying Cheap Auto Insurance Online?Buy Female Car Insurance Online and Save Time, Energy and MoneyRecent ArticlesWhat You Need To Do To Obtain Cheap Car InsuranceReasons Why Men Are Better Drivers Than WomenHow Little Lies Can Cost You DearlyChoosing A Car Insurance Company To Insure Your Car WithDoes Credit Affect Insurance Rates?Facts On Cheap Young Driver Car InsuranceThe Benefits Of Online Comparison Shopping For Your InsuranceInformation About Connecticut Car InsuranceSave Money by Comparing Cheap Car Insurance Quotes OnlineWhen Was Car Insurance Invented and Why?Submitted On March 04, 2012. Viewed 4 times. Word count: 401.

MLA Style Citation:
Diaz, Markito".".4 Mar. 2012EzineArticles.com.14 Mar. 2012 .APA Style Citation:
Diaz, M. (2012, March 4). . Retrieved March 14, 2012, from http://ezinearticles.com/?Money-­Saving-­Tips-­for-­Buying-­Car-­Insurance-­and-­Lowering-­Your-­Premium&id=6919754Chicago Style Citation:
Diaz, Markito "." EzineArticles.com. http://ezinearticles.com/?Money-­Saving-­Tips-­for-­Buying-­Car-­Insurance-­and-­Lowering-­Your-­Premium&id=6919754EzineArticles.com© 2012 EzineArticles.com
All Rights Reserved Worldwide

About UsFAQContact UsMember BenefitsPrivacy PolicyShopSite MapBlogTrainingVideo ArchiveAdvertisingAffiliatesCartoonsAuthorsSubmit ArticlesMembers LoginPremium MembershipExpert AuthorsEndorsementsEditorial GuidelinesTerms of ServicePublishersFollow UsTerms Of ServiceEzines / Email AlertsManage SubscriptionsEzineArticles RSS

View the Original article

Choices For Saving Money On Your Auto Coverage

ByDarren Kutcher

Your budget may be tighter than just a few years back due to the economy. Every driver these days is trying to save as much as possible on their auto insurance coverage. While some methods are common, some other ways are not as well known and popular. Learn all you need to know about the best choices to make for lowering your insurance costs.

Some of the major purchases you make can have a direct impact on your car insurance rates. The driver considering a new car purchase might consider checking safety ratings and other information about several models before making a final choice. In this way, you are more likely to get more safety and anti-theft features for less. Remember to always look for these kinds of additional features on your car purchase.

Find out about all the basic requirements for coverage in your area before buying a car or a policy. By knowing the law, you can better choose car models if you are trying to save on premiums. You certainly want the vehicle that is going to help you lower your costs to drive.

Avoid adding after market parts to your vehicle without talking to your insurance agent about it first. Some addition like lift kits can cause your premiums to be higher due to the increase in risk some vehicles pose when lifted. Many drivers assume because their warranty is not affected, their auto coverage will not be as well.

The vehicle you drive as a part of business can help you to save money also. Talk to your agent about how you can save when using your personal vehicle for work. Several benefits and discounts are available you could be eligible for. The car you drive can help you to get many of those benefits.

Carrying comprehensive and collision coverage can help you to save a great deal of money. Many policy holders will refrain from adding this part of their coverage due to higher premiums. However, the cost of your premiums for this coverage in addition to liability is never as much as some accidents or natural disasters can cause for you.

Making it a point to know every detail of coverage and how it works to benefit you is important. Talk to your agent and allow time to do some research on your own. You might be surprised at the savings you may be missing out on.

You will find complete details about Maine auto insurance requirements and interesting automobile ins facts on our website, right now.

Article Source:http://EzineArticles.com/?expert=Darren_Kutcher

Did you find this article helpful?00Get Involved0 commentsSuggest a topicArticle ToolsPrint this articleE-mail to a friendEzinePublisherReport this articleCite this articleStay InformedGet notified by email when new articles are added to this category or written by this author.Subscribe to New Article Alerts:

Insurance: Car-Auto
Darren Kutcher

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesYour Occupation and Your Auto Insurance Rates - Why Do Some Occupations Pay More For Car Insurance?How To Conduct Automobile Insurance ReviewsCar Insurance Auto Accident Compensation ClaimRecent ArticlesWhat You Need To Do To Obtain Cheap Car InsuranceReasons Why Men Are Better Drivers Than WomenHow Little Lies Can Cost You DearlyChoosing A Car Insurance Company To Insure Your Car WithDoes Credit Affect Insurance Rates?Facts On Cheap Young Driver Car InsuranceThe Benefits Of Online Comparison Shopping For Your InsuranceInformation About Connecticut Car InsuranceSave Money by Comparing Cheap Car Insurance Quotes OnlineWhen Was Car Insurance Invented and Why?Submitted On March 09, 2012. Viewed 1 time. Word count: 404.

MLA Style Citation:
Kutcher, Darren".".9 Mar. 2012EzineArticles.com.14 Mar. 2012 .APA Style Citation:
Kutcher, D. (2012, March 9). . Retrieved March 14, 2012, from http://ezinearticles.com/?Choices-­For-­Saving-­Money-­On-­Your-­Auto-­Coverage&id=6930104Chicago Style Citation:
Kutcher, Darren "." EzineArticles.com. http://ezinearticles.com/?Choices-­For-­Saving-­Money-­On-­Your-­Auto-­Coverage&id=6930104EzineArticles.com© 2012 EzineArticles.com
All Rights Reserved Worldwide

About UsFAQContact UsMember BenefitsPrivacy PolicyShopSite MapBlogTrainingVideo ArchiveAdvertisingAffiliatesCartoonsAuthorsSubmit ArticlesMembers LoginPremium MembershipExpert AuthorsEndorsementsEditorial GuidelinesTerms of ServicePublishersFollow UsTerms Of ServiceEzines / Email AlertsManage SubscriptionsEzineArticles RSS

View the Original article

Saving Money on Car Insurance Tips

ByTom Ando

In the current tough economic climate many people are struggling with rising costs of living. Cutting insurance premium costs can be a simple task by shopping around for the lowest possible quotes. However, even after you purchase an auto insurance policy that works for you, there still might be hidden costs. These are some of the most common hidden insurance costs to look out for:

Car Model: Insurance companies have various rating criteria based on the model of your car. Some of the factors are replacement cost, likelihood of theft, and safety features. If your vehicle has higher ratings in these categories it may increase your auto insurance premiums. Also vehicles that are considered high end are valued higher and will tend to have higher insurance costs. If you are shopping for a car it may be a good idea to talk to an insurance agent to find out which car models qualify for lower auto insurance premiums.

Installment Fees: It is always a good idea to pay for your insurance policy up front if you have the funds to do so. Policies tend to run for either six months or for twelve months so it can be pricey if deciding to pay in full. If you choose to pay for your insurance in monthly installments there may be a fee associated with this convenience. Make sure to check with your insurance company before deciding as it may save you money in the long run.

Forgiveness Policy: Certain insurance companies reward their customers if they have a good driving record. If you are a defensive driver with a clean record you may want to check whether your insurance company offers first accident forgiveness. This means that your car insurance company will forgive the first accident and your policy premium will stay the same. Accidents can greatly increase your premiums by as much as 50% so having accident forgiveness can help you save money on your premiums.

Good Grades for Teen Drivers: Adding your teen to your insurance policy can increase your premiums significantly. Most insurance companies offer discounts for teenagers who have good grades. A grade point average of 3.0 and above can usually lower the premium as much as 25%.

Extra Features: Check your auto insurance policy for extra features that you may not need but are paying for. A good example of this is roadside assistance. Most people do not need this especially if they have this feature through auto clubs, or other companies. Also, if you have a used car that is not worth a lot of money it is a good idea purchase to take off full coverage features on your insurance. In the instance that your car is totaled, you will only receive the actual cash value of what your car is worth at the time of the accident.

There are many useful tips and advice on car insurance online, so make sure to do your research before making a purchase.

Article Source:http://EzineArticles.com/?expert=Tom_Ando

Did you find this article helpful?00Get Involved0 commentsSuggest a topicArticle ToolsPrint this articleE-mail to a friendEzinePublisherReport this articleCite this articleStay InformedGet notified by email when new articles are added to this category or written by this author.Subscribe to New Article Alerts:

Insurance: Car-Auto
Tom Ando

Email Address:SubscribeCar Auto Article FeedFind More ArticlesSearchSimilar ArticlesThe Hidden Costs of Car InsuranceHow Do You Save on Cheap Car Insurance?Looking For The Best Auto Insurance Companies?What to Look For When You Compare Car Insurance CompaniesWhat Renters' Insurance CoversRecent ArticlesAuto Insurance - Describing Insurance BenefitsGirly Men Save On Car InsuranceGap Insurance - To Defer or Not to Defer, That Is the QuestionAffordable Car Insurance for Teen DriversBenefits of Short Term Car InsuranceCar Insurance - What You Need to Know About ItMerits Of Car InsuranceCar Insurance Advice That Is Proven BeneficialThe Hidden Costs of Car InsuranceImportant Things to Know About Getting Alabama Auto InsuranceSubmitted On February 28, 2012. Viewed 0 times. Word count: 497.

MLA Style Citation:
Ando, Tom".".28 Feb. 2012EzineArticles.com.2 Mar. 2012 .APA Style Citation:
Ando, T. (2012, February 28). . Retrieved March 2, 2012, from http://ezinearticles.com/?Saving-­Money-­on-­Car-­Insurance-­Tips&id=6909646Chicago Style Citation:
Ando, Tom "." EzineArticles.com. http://ezinearticles.com/?Saving-­Money-­on-­Car-­Insurance-­Tips&id=6909646EzineArticles.com© 2012 EzineArticles.com
All Rights Reserved Worldwide

About UsFAQContact UsMember BenefitsPrivacy PolicyShopSite MapBlogTrainingVideo ArchiveAdvertisingAffiliatesCartoonsAuthorsSubmit ArticlesMembers LoginPremium MembershipExpert AuthorsEndorsementsEditorial GuidelinesTerms of ServicePublishersFollow UsTerms Of ServiceEzines / Email AlertsManage SubscriptionsEzineArticles RSS

View the Original article