How to Get the Best Car Insurance

Written by Randy Hayes on October 2nd, 2012. Posted in Insurance

The car is a special and complex machinery, one without which our lives would be much more difficult. Cars help us get faster from one point to another, but that can only be achieved if they are well maintained. In order to keep your car in a good condition and safe in case of damage or accidents, you have to get an insurance policy. The first step is to shop around for the best offers, so that you can make an educated choice. You can either go to the companies in your vicinity, or search for car insurance quotes online.

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Here are some tips to help you get the best insurance deal: add only experienced drivers on your policy, as new and inexperienced drivers lower your car’s quote. Fit your car with an alarm approved by your insurance company and try to keep your car in a garage. This will help avoid damage or deterioration caused by natural elements or other accidents and might improve the conditions of your insurance policy. Agree with your agent on a mileage restriction, but see that it is possible for you not to exceed the numbers, as this will increase the payments you have to make. Furthermore, you have to be aware that depending on what type of car you own and what you do with it, your premiums on the insurance will vary. If you’re into drag race cars and participate in competitions, then your insurer will definitely want to set you up with an expensive insurance; this is understandable, because you expose yourself to more risks than the average driver, and the speed involved alone is enough to raise questions about your safety. That being said, if you don’t want to pay large sums to insure your car, then you could think of giving up on drag race cars; otherwise, it is a responsibility you must assume, for your own good.
For some demographics there might be considerable discounts, like women, mothers or persons over fifty. Check with your agent and see if you fit the conditions for any of these or other discounts. If you’re thinking of buying another car, see if your insurance company has to do major changes in your premium; perhaps you can buy the same model car but with a smaller engine, which means less petrol, so it will be more advantageous. If you are an experienced, good driver and manage to avoid any accidents, you premium will probably get cheaper after the first year. However, it is possible that by then you can find a cheaper insurance at another company, or apply with your existing agent for possible discounts. Make a note in your agenda some weeks before your renewal date, so you have enough time to decide whether you’re moving to another agency or staying where you are.
In order to make sure you are not paying more than you need to for your insurance, respect the advices above, don’t modify your car without announcing your insurer, don’t exceed the mileage limitation you’ve agreed upon, don’t lie about not being employed and each year, haggle with your agent, don’t just auto-renew. Check and re-check your insurance quotes and examine carefully your policy’s coverage, as there may by things you want to add or remove, and remember: don’t jump at the first insurance agency you find, scout for more options and offers.