Buying Car Insurance – How to Get the Best Deal
Contrary to popular belief, you can still get cheap car insurance with great benefits to help protect you and your family. Thankfully, you no longer have to trust one single auto insurance company when they say they’re the cheapest. You can easily compare prices for top car insurance companies online and let them compete to earn your business.
When you go online to look for car insurance rates, you’ll be asked a few simple questions to customize your insurance policy, such as:
- How much coverage you want
- Whether you want to protect against other situations beyond accidents such as theft, vandalism, or liability coverage (if the other driver does not have insurance)
- Information about the make, model and year of your vehicle
- Details about your driving record and where your car is located
These pieces of information will help the car insurance company tailor a quote to fit your needs and budget while giving you the protection you need in case of an accident. But beyond comparing online quotes, there are still other ways to help reduce your car insurance premium.
For example, many insurance companies give you a better deal when you simply get an online quote. Others give good student discounts if you have a certain grade point average.
Even the make and model of your car can lower your premiums to a certain degree. Cars that are well-made, such as Volvo, Mercedes Benz, Jaguar and Land Rover all have a proven track record of safety and higher survival rates than their more lightly-built counterparts.
Commonly stolen cars such as the Ford Taurus, Honda Accord and Toyota Corolla can also raise your insurance rates. However, if you install an anti-theft device such as an alarm or a tracking system the insurance company may take this into consideration when giving you a quote.
Many car insurance companies now offer accident forgiveness if you are at fault for an accident. However if you receive numerous traffic violations, send in several accident claims or constantly adjust the number of drivers on your vehicle, your premiums may go up.
Lastly, you may be able to get a better deal on your car insurance if you pay anywhere from six months to a year in advance. This shows the auto insurance company that you take your car and personal protection seriously, and they may give you a percentage off, or the cash difference, if you continue to pay on time without having an accident.
These are just some of the many ways you can get the best possible deal on cheap car insurance without having to sacrifice the protection and safety you need when you’re on the road. Even things you may never have considered, such as your child’s grades, can have an effect on your insurance rates. In the end, it pays to comparison shop online for the best deal, and use the free online quote system of many car insurance websites to customize a policy that’s tailored to your needs.
Source : http://ezinearticles.com/?Buying-Car-Insurance—How-to-Get-the-Best-Deal&id=2838309
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