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How can you save money on your auto insurance?
These car insurance sites will let you get quotes online.
Just enter the make and model and answer a few questions. Here are a few
places to get quotes online quickly!
Insurecom
and www.21st.com
Nine Ways To Save Money on Your Auto Insurance
1. Comparison Shop
Auto insurance coverage can differ by hundreds of dollars from company
to company, so shop around. You can save on your auto insurance costs
by buying only the coverage that you need most. Call your state insurance
department or ask your friends or for ideas about companies and auto insurance
agents to contact. At minimum, get three different quotes. Price isn't
the only thing to consider. The insurer you select should offer both fair
prices and excellent service. This may cost a bit more, but provides added
convenience. Talk to a number of insurers to get a feeling for the quality
of their service. Find out what they would do to lower your costs.
2. Increase Deductibles
Deductible is what you pay before you make a claim. Increase deductible
on collision and comprehensive (fire and theft) coverage. By increasing
your deductible from $200 to $500, you could reduce your collision and
comprehensive costs by 15% to 30%.
3. Eliminate Collision and/or Comprehensive Coverage on Older Cars
If your car is worth $1000 or less consider eliminating Collision or Comprehensive
with your auto insurance.
4. Buy a "Low Profile" Car
Some thieves have a penchant for some types of cars. Check the insurance
costs for the make and model your intending to buy. The more expensive
to repair or are a favorite for thieves have higher auto insurance costs.
5. Low Mileage Discounts
Auto insurance companies offer discounts to motorists who drive less than
a prearranged number of miles a year.
6. Consider Insurance Cost When Making a Move
Auto insurance costs are lower in rural communities and higher in cities
where there is more traffic congestion.
7. Find out about Automatic Seat Belt or Airbag Discounts.
If your car is equipped with airbags or automatic seat belts you may be
eligible for lower auto insurance rates.
8. If Your Car is Equipped with Anti-Lock Brakes.
Stopping your car in an emergency with anti-lock brakes is safer. Some
states and auto insurance companies give discounts for cars equipped with
them.
9. Special Discounts.
Often auto insurance companies offer special discounts for those who have
completed a driver training course, if your over 50, have good grades,
anti-thief devices or more than one car insured with the same company.
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