Do you pay a lot for your car insurance? Have you ever looked into why you pay the price that you do? There are the obvious reasons - five fender benders in a year do not come cheap. Here are the sneaky things that cause your car insurances prices to creep up:
The theft rate of your car. Seemingly modest vehicles have been known to top the theft list. Know what you are buying; don't shell out sports car insurance prices for your family sedan. Hardware reviews. The same rule applies to cars with expensive parts and low safety ratings.
Verify your driving record. Someone's typo could be costing you big money. It wouldn't hurt to check in with your DMV to be sure your record is correct.
Do you have more than one car? It is often to your advantage to add a second car to your auto insurance plan. Adding your house to your insurance plan may also make you eligible for special discounts.
Consider dropping collision coverage on an older model car. This will prevent you from paying out more than the car is worth. It is often cheaper to pay out of pocket to fix an older car.
Is there a teen driver in your household? That will cost you. Techno In HAnd Check to see if your auto insurance company offers discounts for good grades. The type of car your teen drives can effect the price you pay for insurance. Auto insurance companies prefer that teens drive a modest, heavy vehicle with safety features. Heavier vehicles make it harder to drive recklessly and can lower the risk of a collision.
Finally, don't forget to shop for the lowest rates! It is easy to compare auto insurance quotes online. Make sure you are getting the best deal out there.
If you are worried about car insurance cost go to my website, put in your zip code, choose one of the companies that come up, and fill out one of their forms. It's free and cant hurt any, you might even save some money. Check it out here
Article Source: http://EzineArticles.com/?expert=Nicholas_Vernon
Showing posts with label Auto Insurance Tips. Show all posts
Showing posts with label Auto Insurance Tips. Show all posts
Tuesday, April 28, 2009
Sunday, April 26, 2009
Safer Driving Tips to Lower Car Insurance Premiums
The Government has put forward a number of proposals on the back of a road safety consultation focusing on reducing road deaths and reforming the driving test. Driving in a safer manner will not only keep drivers more secure but it can also lower their car insurance premiums.
Being a safe driver and enjoying cheap car insurance go hand in hand. Insurers base premiums on risk and if your driving record shows that you are a competent driver with no previous motoring convictions and years of no-claims then chances are you will be rewarded with a competitive deal.
So how can you drive in a safer manner and earn cheaper rates? Here are some tips:
- Avoid lane hogging: If you're driving on the motorway don't sit in the fast or overtaking lanes. Once you have passed another car, move back into the slow lane if it is safe to do so to prevent other drivers becoming frustrated by your lane hogging.
- Be aware of the conditions: Keep an eye on the weather before you travel. Make sure you adjust your driving style to the conditions you are presented with - this means slowing down on ice and snow.
- Don't tailgate: Keep a two second gap between your car and other vehicles so as not to appear aggressive and to create plenty of stopping time. Double this distance in bad weather.
- Never drive under the influence: If you're having a night out make sure you can get a taxi home or that you have a designated driver who will stay alcohol free.
- Prepare your journey: Plan a trip ahead so you don't get lost and find yourself on unfamiliar roads which could trip you up with hazards.
- Stay calm: If another driver performs an inexcusable act on the road take a deep breath and count to 10. Don't let road rage get the better of you.
With some car insurance providers you could earn a no-claims discount as high as 75 per cent. If your insurer doesn't offer sufficient reward for your safe driving then compare car insurance online and find a cheaper deal.
Article Source: http://EzineArticles.com/?expert=Alex_Gregory
Being a safe driver and enjoying cheap car insurance go hand in hand. Insurers base premiums on risk and if your driving record shows that you are a competent driver with no previous motoring convictions and years of no-claims then chances are you will be rewarded with a competitive deal.
So how can you drive in a safer manner and earn cheaper rates? Here are some tips:
- Avoid lane hogging: If you're driving on the motorway don't sit in the fast or overtaking lanes. Once you have passed another car, move back into the slow lane if it is safe to do so to prevent other drivers becoming frustrated by your lane hogging.
- Be aware of the conditions: Keep an eye on the weather before you travel. Make sure you adjust your driving style to the conditions you are presented with - this means slowing down on ice and snow.
- Don't tailgate: Keep a two second gap between your car and other vehicles so as not to appear aggressive and to create plenty of stopping time. Double this distance in bad weather.
- Never drive under the influence: If you're having a night out make sure you can get a taxi home or that you have a designated driver who will stay alcohol free.
- Prepare your journey: Plan a trip ahead so you don't get lost and find yourself on unfamiliar roads which could trip you up with hazards.
- Stay calm: If another driver performs an inexcusable act on the road take a deep breath and count to 10. Don't let road rage get the better of you.
With some car insurance providers you could earn a no-claims discount as high as 75 per cent. If your insurer doesn't offer sufficient reward for your safe driving then compare car insurance online and find a cheaper deal.
Article Source: http://EzineArticles.com/?expert=Alex_Gregory
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