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Daily archives "June 2, 2018"

Ways to Lower Your Auto Insurance

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A good way to keep your auto insurance costs low is to have a good driving record. Bet you didn’t know that having one not only saves lives but saves money as well.

Below are some things you can do to reduce your auto insurance costs.

Shop around

Prices differ from company to company. Ergo, it pays to shop around. Have at least three price quotes. You can contact companies directly or get information on the web. Your state insurance department may also offer comparisons of prices by big name auto insurers.

You get insurance to safeguard you financially and give peace of mind. It’s vital to choose a company that is financially stable. Look at the financial health of insurance companies with rating companies like Standard & Poor’s and A.M. Best.

Get quotes from different sorts of insurance companies. A few sell through their own agents. These places have the same name as the insurance company. Some sell via independent agents who provide policies from many insurance companies. Some don’t use agents. They sell right to customers via the web or over the phone.

Don’t shop by price alone. Ask relatives and friends for their suggestions. Call the insurance department of your state to see if they give out info on company’s consumer complaints. Choose a company or agent who takes the time to answer your questions. Make a checklist to help you compare quotes from insurers.

Before you buy a car, compare insurance costs

Before you buy a used or new car, look at insurance costs. Car insurance premiums are based some on the car’s price, repair costs, the safety record and the probability of theft. Many insurers provide discounts for features that lessens the risk of theft or injury. To help you choose which car to buy, you can obtain information from the Insurance Institute for Highway Safety.