Top Tips For Getting Affordable Car Insurance

LOS ANGELES, CA / ACCESSWIRE / June 27, 2019 / Compare-autoinsurance.org has released a new blog post that presents multiple ways of saving car insurance money.

Car insurance costs can reach several thousand dollars per year, depending on the provider, risk profile and coverage options. Insurance rates are determined after analyzing multiple risk factors. Some of these factors are under policyholder’s control. Find out more and get free quotes from http://compare-autoinsurance.org.

Combine policies. Companies with great financial power will ask if the policyholder would like to get more insurance services from them. A person can easily bundle car insurance with homeowners/renters/condo insurance and save big. When completing online questionnaires, the user is asked if he owns the home/apartment where he/she lives. If the user owns it, he will be provided with a bundle option. In some cases, a person can save as much as 20% simply by bundling coverage.

Cover all vehicles under the same plan. Covering multiple vehicles under the same insurer will also be financially rewarding. Multi-vehicle plans also provide a discount. The value of the discount is directly proportional to the number of insured vehicles.

Adjust the deductibles. A deductible is the amount of money a driver has to pay out in the event of a car accident before the insurance policy kicks in. The larger this deductible is, the less a driver will pay on his monthly premiums. To save money on car insurance, policyholders can increase the deductible amount. However, drivers are recommended to save money on an emergency fund, just in case they will ever be required to file an insurance claim.

Park the car in a garage. Cars that are parked in a garage are less likely to be stolen. Also, they are protected against severe weather effects.

Keep a good credit score. The credit score is one of the main factors that can affect car insurance costs. Drivers with good or excellent credit score are seen as more responsible drivers by the insurers and will pay less on their insurance rates. On the other hand, policyholders with a poor credit score will pay more on their insurance premiums.

Maintain a spotless driving record. Whenever a person tries to obtain online quotes, he will be asked for claims and traffic violations in the recent 3-5 years. Traffic violations and accidents will not only increase premiums but can also determine a carrier to consider a client “high-risk” driver and eventually, drop him.

Drive a safe car. Consider a car’s safety rating before buying it. Look for annual crash-test ratings and NHTSA safety rankings. Lots of new models are fitted with latest sensors and accident prevention systems. A safe car is cheaper and easier to insure. Medium-sized family cars are usually really safe and cheap to insure, being mass produced – that means that there are plenty of affordable spare parts.

Pay for the whole policy in advance. The costs of paying for the whole policy at once is cheaper than paying monthly insurance bills. A small discount that is between 5-10% is provided by the insurance companies that will save money by not having to pay for several monthly administration fees.

Install extra safety and anti-theft devices. Investing in a car’s safety will be greatly appreciated by insurance companies. Drivers can qualify for several discounts. Furthermore, installing car recovery systems will lower the comprehensive component of the premium.

Enroll in a defensive driving course. Insurance companies can offer or suggest a defensive driving course. The client will improve his driving skills and will get a discount. Many online questionnaires ask drivers (especially the young ones) if they have participated in courses provided by the local DMV or they are willing to participate in defensive driving classes. Drivers can also get discounts for enrolling and graduating “refresher courses”.

Periodically check the insurance market. It is recommended to get car insurance quotes at least once every 6 months and check the average premiums costs. Being permanently aware of the average costs will help drivers to avoid overpaying. Some insurance companies practice a marketing tactic called “price optimization”. Basically, they rely on drivers to stay with a single company and not check the market. Loyal drivers are “rewarded” with more expensive premiums.

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

“Although the price for car insurance is on the rise, drivers can easily use several smart methods to keep those costs under control and even lower the price of car insurance”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

For more information, please visit http://compare-autoinsurance.org/.

Contact: cgurgu@internetmarketingcompany.biz

SOURCE: Internet Marketing Company

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