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Picking The Cheapest Car Insurance Policy? Five Factors To Think About Before You Pick There are a lot of elements to consider when purchasing auto insurance and when trying to find cheap auto insurance you've got to do your homework. In the insurance industry, competition is tough and rates differ tremendously. Take advantage of this by analyzing around and look out for price breaks, which many insurance carriers offer at varying times of the year, to attract more customers. 1. Ask Your Friends You may start your search by approaching colleagues and family members for information and help about quality insurance representatives they dealt with before. Your people should give you some good start point and that may allow you to expand your horizon concerning your alternatives. Plus, questioning friends may permit you to eliminate certain possibilities, hence saving you time and money. 2. Examine the Competition Combine to what your friends advised by obtaining additional information via the internet, information related to the advantages and disadvantages of your forthcoming insurer. But the greatest way to get your quotation information is to check specific car insurance companies and deal with an independent agent. In contrast to captive agents who deal with one insurer, independent agents represent many insurance companies, and, thus can produce more pricing options. This can be managed online, over the phone or, simply, in person. Make sure to let them know you are shopping around and it might help them to give you the best premium. 3. Credits and Discounts Several times a company will automatically offer certain discounts to its prospective customers. Don't expect the lowest price is the number one rate quoted. Ask for discounts! Some will offer a reduction in price for many interesting life issues, like: a. Occasional operator credit b. Discounts for good students c. Discounts for owning a home d. Multi Account Discount- Credit for having more than type of insurance e. Discounts for low mileage f. Alarm credit g. Discount for prior insurance h. Discounts for insuring multiple cars It is up to you to ask for specific discounts because it is not in the agents or company's financial interest to freely offer everything available. 4. Your Driving Record While exploring for cheap auto insurance, risk is the major element that companies look at when it comes to pricing an auto insurance contract. If the company underwriters think you are at higher risk of causing road accidents or traffic tickets, then the more likely you will fling claims. This costs them money so your policy will be surcharged. Some of the risks company underwriters look at are history of your driving, age and profession. If you have a lot of tickets on your driving record or are under the age of 25, you will likely pay a much higher premium. Keep in mind, that if you go for several years without any incidents on your record, many will automatically lower your insurance costs. And if you get married or have life insurance or other insurances with the same insurance company, then more discounts may apply. 5. Don't Buy More Than You Need Few people are under the impression that they need full coverage on any vehicle they own. The reality is, if you don't have a loan that you pay monthly on for the car, or if it's older than six years or worth less than a few thousand dollars, don't waste your money, liability insurance is all you need. Full coverage could end up costing you more than the value of the auto. Else, liability with a high deductible on the full coverage may be suitable for you needs and won't break the budget. It can be very easy to identify cheap vehicle insurance. Just spend some time doing the research so that you are not caught off guard. Unnecessary add-ons that look like must-haves are not always necessary regardless what the agent may tell you. This includes bond cards, duplicate towing (if you have road side assistance, etc.)
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