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Major Car Auto Insurance Discounts
Let your fingers do the walking…Local phonebooks used to be the way to comparison shop right? It does take a lot of time to do so and you will face sales pitches here and there. Shop around and do it yearly . Don't just keep paying the invoice over and over without comparison shopping. Here are some tips to assist you in finding some solid savings each and every time when shopping for direct auto insurance.
Do not worry about the price you are quoted directly from auto insurance agents. There are deals that aren't posted. Keep in mind that there are options that you have control over which will help you save money. Take this for instance, by increasing your deductible from $100 to $500 , you will definitely have major savings month in and month out. If you don't think you could come up with that amount out of pocket, then change it to a lower deductible; you'll still save a sizable amount on your monthly premium payment.
You will save a lot more if you change your comprehensive deductible. Many people needlessly carry full coverage on their older vehicle. They may have originally purchased the vehicle new, paid for full coverage and to this day, continue to pay the same high rate. Their ten year old vehicle may be worth $1000 or less, but they keep paying month in and month out (total $500 to $900 dollars a year) to keep full coverage on their old vehicle.
However, if there is a major accident that causes the loss of the automobile and they are at fault, the insurance company will only pay them the wholesale value of the vehicle. The amount they would receive could be $1000 or less. A vehicle that old just needs the insurance that protects the other person in case of an accident.
Yet an additional way to cut costs on your car insurance coverage is by combining your auto coverage and homeowners insurance under the same insurer to increase how much you can save. All insurance companies offer a multi-car discount ( If your current insurer does not provide additional savings for multiple policies you are being cheated out of your money ). Further, many will discount more if you have your homeowners or renters policy with them.
Here are some other ways to save that you may want to consider. It seems obvious, but consumers accept the rate their initially are quote for their age. Depending on the insurer the age brackets for savings may be different so it would definitely be wise to shop around. Talk to your car insurance agent or get in touch with several agents to compare. If your car has an alarm already installed or just recently installed you may be entitled to additional savings as well. Other than that anti-lock brakes and air bags can also help lower your premiums.
Never, ever settle for what you are currently paying. Your insurance bill should be an automatic trigger for you to do some direct auto insurance
comparison shopping online to see if you can save even more money on your car insurance premiums.
Total Views: 841 | Approx word count : 688 | 01/03/2011
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