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Wednesday, December 10, 2008
Vehicle Insurance Tips
It is easier to get the right car insurance if you're aware of the different options available. For instance, if you're storing the car for a length of time, you can insure with Comprehensive Storage Coverage only. This type coverage is ideal as the car should be safe from a liability or collision claim.
Deductibles are always a struggle when you've had an accident. For those people who are disciplined to save up for a rainy day then increasing the deductible, the out of pocket expense you pay, can in the long run save hundreds of dollars. A simple change from a $250 to a $1000 deductible can make a dramatic difference in your premiums.
Ask about coverage: Discuss with your insurer your needs for liability, collision and medical payments. These can be lowered in some cases along with increasing your deductible. In essence, you are willing to accept more responsibility for your care, and you get a discount for it. The thing to be careful about here is to make sure you can afford to if you have an accident.
Consolidating Policies: Volume discounts make sense even to insurance companies. They want your business, so give it to them. Combining your car, home and/or renter's insurance can save you as much as 25% on your premiums.
Anti-theft Protection: Almost all cars produced now have a few devices aimed at protecting the owner from auto theft. Most insurers will give discounts to you for being a proactive owner. Depending on the state in which you live, you may qualify for additional discounts for such things as window sketching
Stick to a policy for a longer period of time: Well this is most basic answer to how to get cheap car insurance. Stick to a policy which is of a longer term. When you decide to get a your car's insurance policy for an year you get a benefit of non changing rates of interest which may fluctuate if you choose your car's insurance policy over a shorter period of time.
Insurers will be the first to tell you that insurance is for you and your protection, so skimping on liability and medical payments is not where you want to create savings in your premiums.
Deductibles are always a struggle when you've had an accident. For those people who are disciplined to save up for a rainy day then increasing the deductible, the out of pocket expense you pay, can in the long run save hundreds of dollars. A simple change from a $250 to a $1000 deductible can make a dramatic difference in your premiums.
Ask about coverage: Discuss with your insurer your needs for liability, collision and medical payments. These can be lowered in some cases along with increasing your deductible. In essence, you are willing to accept more responsibility for your care, and you get a discount for it. The thing to be careful about here is to make sure you can afford to if you have an accident.
Consolidating Policies: Volume discounts make sense even to insurance companies. They want your business, so give it to them. Combining your car, home and/or renter's insurance can save you as much as 25% on your premiums.
Anti-theft Protection: Almost all cars produced now have a few devices aimed at protecting the owner from auto theft. Most insurers will give discounts to you for being a proactive owner. Depending on the state in which you live, you may qualify for additional discounts for such things as window sketching
Stick to a policy for a longer period of time: Well this is most basic answer to how to get cheap car insurance. Stick to a policy which is of a longer term. When you decide to get a your car's insurance policy for an year you get a benefit of non changing rates of interest which may fluctuate if you choose your car's insurance policy over a shorter period of time.
Insurers will be the first to tell you that insurance is for you and your protection, so skimping on liability and medical payments is not where you want to create savings in your premiums.
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