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Saving Money on Car Insurance

Reducing on Your Auto Premium Depends on Different Factors

Protecting yourself from lawsuits and sue-happy lawyers.

While the cost of your premium will vary depending on different factors, there are some ways you can save on your car insurance. Shopping around for the best price is the best way to obtain a lower premium. This is done by getting quotes from various insurance companies and agents. When you are looking for a low cost, make sure you will still get the coverage you need. A low premium will mean nothing if you are not properly covered by the policy. Price and coverage are not the only things to consider. You also want a company that is reliable. Make sure they have good customer ratings and find out how they deal with claims. Try to select a company that is reputable, but still offers a lower premium. Finding insurance companies is simple. You can search online or through a phone book. No matter how you choose to conduct your business, always make sure you are getting the right coverage.
If you are planning to buy a new or used car, talk to an insurance company first. They will be able to tell you what the new cost will be. When buying a new car, your premium will be based on the cost of the car, what is would cost to repair and what the safety ratings are. Many cars are equipped with safety features. These features could get you additional discounts on your insurance. If the vehicle, whether used or new, is a target for thieves, you will pay more for insurance.
When you are looking for a policy, ask for a high deductible. The higher the deductible, the lower the premium. While this means you run the risk of paying more out of pocket if you are in an accident, it also could add up to hundreds of dollars in savings on the premium. You need to decide which is best for you, a higher premium or a higher deductible.
If you have an older car, reducing the coverage on the policy will also reduce what you pay. In some cases, what you pay for a premium is not cost effective if the car is old. Each year your insurance policy is renewed. You can make these changes before the new policy goes into effect.
If you have homeowners insurance through a different agent, consider combining the homeowners with your car insurance. Many companies offer a discount when you do this. This could result in a 20% savings each year. While this option is attractive, it is not always the best choice. Don't stop getting quotes and comparing them. In some cases, it will be cheaper to keep the policies separate if you get a low quote.
Discounts can save a lot of money. Insurance companies offer various discounts, including safe driving, safety equipment, anti-theft systems and low mileage. Make sure to ask what discounts the company offers. Also inquire about group insurance. There are companies that offer additional discounts to drivers who obtain their insurance through a group plan offered by their employer. Some insurance companies offer multi-vehicle discounts. This could be a huge savings if you are insuring more than one car. Always ask about available discounts to see what you qualify for. The insurance company usually won't spoon feed this information because they get less money on your policy. You have a right to know what discounts are available.
While finding low cost insurance is important, always make sure to do plenty of research before signing anything. Be sure you choose the right company, one who will be there when you file a claim. Also, your coverage is the most important factor. Always carry the required coverage. Additional coverage can be added if you so desire.

To learn more about how estate planning & trust planning are affected by asset protection strategies visit Asset Protection Trust, Getting Sued Hiding Assets, Offshore Asset Protection, Living Revocable Trust.




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