Tag Archives: auto insurance

Do You Have the Best Auto Insurance Deal?

Posted by on September 10, 2010 Comments Off

Finding an auto insurance policy is a daunting task for some people. The problem lies in the fact that the market is just so saturated with insurance companies that you cannot really determine which one is a good firm and which one is just out to get your money. Given that having auto insurance is a very important responsibility, you have to really try to get the best policy without having to rip a hole in your wallet.

Since the competition amongst insurance companies is very strong, premiums have continuously been going lower. This is great for people who are shopping for auto insurance policies. But even if it is great to save up on price, you need to remember that this is not the only thing for you to look at.

The things that you have to consider involve having to find a way to lower your annual payments. This will help you have an easier time paying for this expense. It can be very time-consuming to compare the many insurance companies that you find and the various coverage levels that they are offering you. But there are some tips that can really make your auto insurance shopping a lot easier.

First of all, you need to remember the importance of shopping around for deals. One auto insurance company has a set up that can be so different from others. For example, Florida auto insurance will have a completely different price for most people than insurance for a Western state. This is why you really need to look at the details. Get as many auto insurance quotations as you can so that you can do comparison shopping. Look at the prices and the things that they are offering. An easy way to do this is to go to websites that have lists of auto insurance companies that give the most affordable rates.

Make sure that you maintain a clean driving record. The point is that you need to prove to the auto insurance company that you are a good driver so that they will not consider you as a high-risk client. This will do great wonders for lowering your rates.

Another thing that you can do to get lower auto insurance premiums is by adding safety features to your car. There are some insurance providers that will lower your rates right away when they find out that you have installed airbags, automatic seatbelts, and anti-theft features.

You can also enjoy lower premiums through creative math. Get a higher deductible and a lower premium in return. An increase in your deductible can give you up to 20% decrease on the premium. Just be sure that you can pay for the added cost of deductible to you. Compare prices by finding insurance quotes online.

If you have a car that is an old make or that was bought second-hand, you can opt to lower the coverage on it. If you are paying premiums that are ten times higher than the cost of the car, you are losing out big time.

Learn how to save more money on your car insurance premium

Posted by on May 27, 2010 Comments Off

Motorists can learn how to save more money on their car insurance premium with the introduction of these cost savings tips. You could save up to £200 with this very informative information that I’m sure you will find to be great help.

Before you go off searching for more car insurance quotes with different providers, read the information below and then try and put some of the points into action. This way you have a better chance of achieving some savings on your motor insurance renewal quote.

Use our car insurance comparison tool to select which suppliers you want to get a quote from. You can see who has the best online discount, no claims discount, features and monthly payment fee, plus lots of other benefits. If you are trying to beat your renewal quote then make sure the level of features and excess are exactly the same otherwise you will not get true comparison. But, if you have decided that you need additional cover options such as breakdown cover and a courtesy car then these will cost extra on your policy.

Select providers that give a good no claims discount for drivers that have built up a good no claims status. Some companies offer as much as 75% discount as a maximum discount to policyholders who have more than five years and up to a maximum of nine years. Building up your no claims demonstrates to the supplier that you a low risk policyholder and they reward you for being a safe driver. It is perhaps advantageous then for these motorists to protect their no claims bonus, by taking out cover that protects their status for up to 5 years and allows, up to two claims o be made without affecting their status. This only costs around an extra £10, so it is well worth having it.

Storing you motor in a locked garage will earn you a small discount of around 5%, so make sure you start parking your car in there form now on.

Tips to Lower Your Car Insurance

Posted by on May 26, 2010 Comments Off

Need to trim some fat from the budget? One way to do that is by lowering your auto insurance. Here are some tips to do that:

  • The very best way to have low car insurance is to own a vehicle that qualifies for a discount or one that does not have a surcharge. If you are on the hunt for a new car call your insurance carrier and gets quotes prior to buying a car. Your insurance carrier will be able to tell you if any of the cars have a discount or surcharge.
  • Are you an infrequent driver or do you drive less than 7,500 miles a year? Let your insurance company know this if they don’t already. You will most likely receive a discount since you are on the road less and have a lower chance of getting into an accident.
  • It may sound simple but call up your car insurance company and ask them for discount. You might be surprised by what happens. Let them know if you have an airbag, theft alarm or don’t drive much. A buddy of mine called his Tampa auto insurance agent and simply asked for a discount and he received one.
  • Do you own a home? Ask your home insurance carrier if you can receive a discount if they provide you with your auto insurance.
  • Your insurance premiums will go down if you increase your deductibles on your collision or comprehensive insurance coverage.
  • Do you drive an old clunker? You may want to consider dropping your collision insurance. Any claims will be limited to book value so if your vehicle is not worth much than explore losing this insurance. Call your carrier and see if the savings are worth it.
  • Think twice about filing small claims. It might be better just to pay the repair out of your own pocket. Your premiums could go up more than the small expense.
  • Don’t assume all insurance companies are going to quote you the same rates. Shop thoroughly for insurance as there can be a substantial difference between carriers,
  • Have you had any changes in your life like marriage, buying a home or better grades? These can get you a discount. Getting older is another thing that can save you money. Older drivers are usually safer drivers thus less to insure.
  • Be a safe driver. Insurance companies will naturally charge less to drivers who are not frequently in accidents or who avoid getting traffic violations.
  • Are you a parent to a teenager? They can expensive to insure. Consider letting them share your care versus having their own.
  • How is your credit rating? Some insurance companies are giving discounts to people who have a good rating.

Take this list and call your insurance carrier with these questions. It might save you a few bucks.

Slade Tanner has a blog about Tampa car insurance.