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Cheap Auto Insurance – A Practical Solution for Reducing Car Expenses

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Cheap Auto Insurance – A Practical Solution for Reducing Car Expenses

In today’s world auto insurance is a necessity for any one with a car. I believe you will agree with me when saying that having a car is an expense on its own. Not to mention the
Fuel prices these days. So what actually can be done to cut costs from your car payments?

One of the easiest, quickest, safest and cost efficient ways to save money is getting cheap auto insurance rates. Some will say that their insurance payments are relatively low. That may be true but keep in mind that over 35% of auto insurance policy holders are overpaying their insurance and don’t even know about it.

The competition among insurance companies these days is huge due to a simple fact; the amount of cars in the world is constantly growing, meaning more insurance is needed. Some people insure 2 or even 3 cars through the same insurance company and aren’t aware that if they dem and an additional discount they will easily get it and even if they don’t, no worries, there are lots of other reliable companies that will give them a better rate.

There are plenty of ways of saving hundreds of dollars from your annual premium. The first step is getting a quote. Filling out a quote should be done correctly and the cheapest and fastest way to get free quotes is online. Correct comparison is the key to great rates and it’s needless to say you should compare quotes from at least 3 different companies (the more the better). There are organizations which provide unbiased services helping you compare 1000 of bids from different auto insurance companies with filling out just one form. These systems can come in h andy and save hours of quote comparison.

Ways To Save

The following are a few tested strategies you can apply for saving $300 – $500 from your premium. The more tips you apply the more you can save, believe it or not saving couldn’t be easier.

  • Raise your deductibles
  • Reduce coverage on older cars
  • Compare male and female as main drivers
  • If you haven’t had an accident – negotiate a discount
  • Take a defensive driving course and let the insurance company know that you have
  • Install anti theft devices
  • Ask for a discount if you have more than one type of insurance from the same company
  • Check for low mileage discounts

All in all it is important to underst and that there are more than enough ways to save money, all you need to do is get started and it doesn’t require much effort or time. If you take a close look at what your payments are all about you will see that you could cut costs daily if you just give it a bit of time and correct calculation.

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Car Insurance Tips to Remember

Lost your car? Well, provided your car has been insured, you can always get a reimbursement. That’s the good thing about car insurance. It means insurance against loss due to theft or traffic accidents. Getting car insurance would guarantee payment of expenses incurred when your vehicle is involved in accidents, or is subjected to v andalism or theft. It also ensures you are able to cover the costs of potential damages or injuries.

Zero percent car insurance

Car insurance dealers may often make announcements of zero percent auto financing, and you may be tempted to go for this great deal. It would be a dream to drive away a new car with zero percent financing. This means a $15,000 car may fetch you savings in thous ands, versus five-year car insurance with interest. However, you should know that this 0% car financing is not available for everyone. Many people even make the mistake of buying a more expensive car with no cost car insurance, thinking there will be no interest that they have to pay. Unfortunately, this happening is very rare.

Zero percent car insurance takes credit report into consideration to qualify for this insurance financing, and the guidelines for credit are extremely dem anding too. There would be so many conditions of eligibility along with this offer that eventually only a few can actually get a great deal with the dealers. It is seen that car insurance with an interest rate offers a much better deal. Most of the time, this zero percent car insurance is offered only on some select vehicles; mostly on slow vehicles as the dealer’s main aim is to get rid of the vehicles.

If you are a first time buyer, or you have a limited budget for your car, you should carefully investigate the different insurance policies available, as some might suit you better financially. So do some research, as it is possible to get cheap motor insurance as well as keep the premium on the policy very low.

Tips on car insurance

Some important tips to remember are:

• Higher excess: You can opt yourself to pay a higher excess in the event of an insurance claim.
• Do thorough research on the internet, as online car insurance is a lot cheaper.
• You get cheaper insurance if you get an approved immobilizer fitted in your car.
• Get an insurance broker, as he can help you pick the right insurance.
• If you are a student, you may gain some concession from the companies.
• You can also get a cheap car with a small engine, as the more costly the car is, the higher the premium will be.
• By building and protecting a ‘no claims’ bonus you will have a great impact on your insurance rates.
• If your car was very cheap, it may be cost-effective to have third-party, fire and theft insurance, instead of fully comprehensive cover.
• Never give your price first, and never take the first quote from an insurer.
• If you can, get your own copy of Credit Report and show it to the insurance companies, as they will charge you to get it for you during the approval process.

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Car Insurance

Nothing is easy even in today’s one-click world. Buying car insurance can be a big hassle, and take most of a day calling around, talking to different companies to get quotes. A lot of people don’t have the time to waste to call several different companies out of the phone book, haggling for the best deal and the lowest car insurance rates. Yet everyone still wants to find the best deal, whether or not they have a lot of time on their h ands to shop around with. If you’re a bargain shopper, then you know the Internet is your best bet to find the greatest deals – on anything. If you buy your car insurance online, you’re liable to come away with a great deal.

Every car insurance company says they can offer you the best deal and the lowest rates, and it seems almost impossible to get a straight answer when you get a quote over the phone. Many shoppers feel more comfortable buying car insurance online, in a quick and easy process that doesn’t mean sitting through a long series of automated questions and answers. By gathering quotes on the Internet, you won’t have to talk to anyone on the phone, answer any questions posed by automated voices, or sit and wait for a human to have the time to talk to you. The Internet allows you to move easily through the process of getting quotes, and many consumers prefer this method.

If you want to get quotes online, the first rule of thumb is not to go to car insurance company’s web site. This will limit your quotes and your options. There are tons of sites out there that allow you to fill out a single questionnaire and then compare quotes side-by-side. You can, in this fashion, look over the rates and coverage of several different companies at once. Using the phone as your only tool, getting that many quotes could take hours. With the Internet, you can compare a large list of quotes, immediately weeding out companies whose prices don’t fit your budget. Any Internet search will produce web sites that offer comparison-shopping and multiple quotes for your car insurance needs.

Another good way to go when it comes to buying car insurance is to buy through an independent agent. Independent agents do not work for any one company but for you, the consumer. They do all the work of comparing quotes for you, and in the end they can usually provide you with a much better deal than what you can find on your own. Independent agents are offered select deals through car insurance companies, policies and rates that aren’t available to the average person. You will never have to talk to your car insurance company, and will only have to send them a check every month or six months (depending on your payment plan). If there is any problem, simply contact your insurance agent and they’ll take care of everything. The best part is, there are no fees involved with using the independent agent – you only pay your car insurance bill.

Most people have to have car insurance because of state laws, and others just know that having car insurance is a good idea. Just because you have to have it doesn’t mean you can’t get a great deal at the same time, and the less you have to pay, the better. You can find the best car insurance rates without wasting a ton of time or staying on hold for hours. Really, doesn’t everyone deserve the best possible deal on affordable car insurance?

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