25
Aug 14

Auto Insurance Selection Tips For Your Family

TIP! Compare the cost of adding a teen to your current plan versus getting their own policy, to see which has the most value. Sometimes it is a wiser financial decision to get your teenager their own separate policy.

Buying the right insurance for your car is essential to prevent financial difficulties when an accident occurs. The article below will describe how to ask the right questions from your broker or agent, what coverage to buy and how to avoid duplicate coverage. Read the article and ask the right questions from your insurance professional.

TIP! You should talk to your insurance agent when you buy costly accessories for your car to ensure that the policy is adequately covering the total value of the vehicle. A new set of shiny wheels may cost you a lot of money, but they may also only add a small amount of value to your car.

Make sure you shop around before buying your insurance. Every company uses its own formula, based on your driving record and your responses, to evaluate your insurance premium. When you check out several options, you will end up saving money.

Driving Record

TIP! When shopping for car insurance, you should understand that only the driver on the policy is being insured. Normal insurance policies are unlikely to pay out if someone other than the policy-holder was driving at the time of an accident.

Keep your driving record clean. Speeding tickets and accidents can really cause your insurance premiums to run high. Once you have something negative on your driving record, you may be able lower your insurance by attending traffic school.

TIP! Insurance has many factors, and the cost is just one of the ones you should think about when doing research. The fine print should be carefully looked at, so that you understand which deductibles you must pay for if you have an accident.

Before you purchase a vehicle, look into how much it will cost to insure the car. Insurance company agents can give you a list of cars which have the most economical rates. This can be a big help to you in choosing a new or gently-used car. It is possible to save a great deal of money on your automobile insurance if you buy a car that is highly rated for safety.

TIP! Discuss your options with your agent and ask for a list of discounts that are available. Check all the discounts to determine which ones apply.

If you are driving, a lot of state require liability insurance. You should check the legal requirements for the state where you live, and make sure that your coverage meets the established minimum. If you’re uninsured and happen to be in an accident, no matter if you’re at fault or not, you will be liable for both the monetary consequences and the legal consequences for driving without insurance.

TIP! Know different coverage options, and check to be sure your insurance provides the best coverage. Your car insurance should ideally cover collision, comprehensive and medical issues that might arise from an accident.

Understand which kinds of car insurance coverage you should have. While auto insurance policies offer a lot of different coverage types, not every one is necessary for your situation. You might want to pay for collision coverage if you’re accident prone, though.

TIP! Never cancel your existing policy without first getting coverage in effect with another company. An automobile accident can happen in the blink of an eye, so you should never drive without coverage.

Think twice about add-ons for your vehicle that you might not need. Luxury items are nice, but they really aren’t that necessary. It is possible that in the event of theft or an accident that these additions are not covered by your insurance anyway.

Property Damage

TIP! It is not always the best idea to purchase a car for your teen. A better alternative is to have them drive one of your existing vehicles.

When purchasing car insurance, add property damage liability to your policy. Damage liability insurance covers any accidental damage that you are liable for. Every state but three require this. When you’re in a bad accident, the property damage can be expensive. Therefore, by having a high amount of coverage in this area, you may actually save money.

TIP! Remember, not all insurance covers other uninsured drivers. Consider the fact that it does increase your premium.

If you compare auto insurance quotes, you have to look for more than just the lowest premium. The fine print should be carefully looked at, so that you understand which deductibles you must pay for if you have an accident. In addition, the coverage levels and benefit limits are provided in this fine print.

TIP! Not all insurance companies are made the same. If you receive a quote you feel dissatisfied with, there are many other companies to shop around at.

Some coverage items are not worth the extra cash though. If your automobile is not worth much, consider dropping collision insurance from your insurance plan. Simply by removing this coverage from your policy, you will notice a substantial decrease in your monthly payments. You can also think about taking off coverages, such as liability.

TIP! Driver who put fewer than 7500 miles on their car per year often receive generous discounts. If you’re interested in saving on auto insurance, reducing your time behind the wheel could be the way to do it.

Try to bundle your insurance to save money. This means that you should look for these bundle offers, and insure your home and your car together. Make sure you’re paying less with a bundle than with two separate policies. If you’re not, keep the policies split.

TIP! It is important to consider every possible scenario when choosing a coverage amount. Liability insurance should be added for those with a lot of possessions.

Take the time to go over the list of discounts completely, in order to ensure you take advantage of these price savers. You might be surprised at how much you can save by claiming discounts.

TIP! If you are unlucky enough to be involved in an accident and need to file a claim with your insurer, be certain to document every detail pertaining to the event. You can use your cell phone to record the time and place of any collision and the damage resulting from it.

Get rates from many different insurance companies before you select the right one for your automobile. Odds are, you’ll have to spend some time looking, if you want to get a really great rate.

TIP! Sometimes being a part of a well-known organization can help you get discounts on an auto insurance policy. AARP members and credit union members can often qualify for lower rates on auto insurance.

If you get in an accident, auto insurance will be a lifesaver. Having the right coverage can save you a lot of hassle when something happens to your car. This article will help you answer questions about the right insurance.


19
Aug 14

Great Advice For Purchasing Auto Insurance

TIP! Be careful to always maintain a clean driving record. Once you get a ticket or accident on your record, your insurance payments will certainly increase significantly.

In almost every state, you must carry insurance if you drive a vehicle. That does not mean that all of your auto insurance options are equal, and as a matter of fact, your options are far from it. It is important to do research before signing with any company, so that you can be certain that you are getting the best coverage possible.

TIP! It’s important to do your research before purchasing auto insurance. There is a wide variety of coverage available; being knowledgeable about each type will help you make a better purchase.

Don’t just accept the first insurance quote you get. Every company offers different rates depending on many different factors. You can save a good deal of money by consulting with several competitors.

Try decreasing your mileage each year to boost the savings on your insurance bill. The less you drive the lower you can get your monthly premium.

TIP! If you want to buy aftermarket parts or decorations for your car, ask your agent about the insurance consequences. You can lose a lot of money if you have invested in expensive add-ons and upgrades in a car that ends up stolen.

Be careful to always maintain a clean driving record. If you have accidents or driving tickets on your record, this can vastly increase the amount you have to pay for your insurance. If you already have a infraction on your license, check with your insurance company to see if attending traffic school, or a safe driving course can get your premiums lowered.

TIP! It is a common belief that the rates a young driver pays for auto insurance decrease as soon as that driver turns 25 years of age. Actually, rates start dropping around age 18, so long as the driver has a solid record of safe driving.

You should check with your insurance company about your coverage limits before you add any aftermarket upgrades. Most insurance companies do not provide coverage for these parts, but they will pay for what the value of your car is with these parts added on.

TIP! Try to pay your car insurance on an annual basis rather than monthly. Insurance providers add a convenience fee to monthly payments.

In a number of states, you’re required to carry liability insurance if you are the driver of a car. You have to know whether your state requires insurance, and what kind of insurance it requires. You also have the responsibility to adhere to your state laws. Not having insurance will have you facing many financial and legal consequences if you get into an accident.

TIP! Cheap insurance, though attractive, is not always the best choice depending on your needs. It may turn out to be a good deal or completely backfire.

Try to ride buses or take a carpool. Insurance companies will reward you for being responsible by lowering your insurance rates. One way to prove your responsibility is to lower the overall mileage that you drive on a daily basis. If you tell your agent that you have been riding the bus or carpooling, chances are they can find a discount to reduce your premium.

TIP! Comparing the costs of your yearly premiums is a minuscule portion of the necessary analysis when looking at different quotes for your auto insurance policy. Know the details of your policy; including, the deductibles, limits and the amount of coverage that is provided.

When buying auto insurance, get quotes from different insurance carriers and compare costs. Each company can offer you a different rate. You should get yearly quotes to ascertain that you maintain the best coverage and rates. When you compare quotes, also compare the levels of coverage the policy offers.

Monthly Payments

TIP! Opt out of unnecessary coverage with your auto insurance. For instance, if your car is an old model or simply not worth much, consider removing collision insurance from your plan if possible.

Do not pay the monthly payments for insurance; do it quarterly. Insurance providers add a convenience fee to monthly payments. This can quickly build up. With everything else you pay, this can become a strain. This is good incentive to lower the number of payments.

TIP! If you bundle your insurance plans, you may pay less for car insurance. Which means you would benefit more if you get insurance for your car and your home at the same time.

If you compare auto insurance quotes, you have to look for more than just the lowest premium. The fine print should be carefully looked at, so that you understand which deductibles you must pay for if you have an accident. In addition, the coverage levels and benefit limits are provided in this fine print.

TIP! Your insurance costs on your automobile can increase if you have points on your drivers license from tickets or accidents. Conversely, whenever these things are removed from your record, you can see your insurance rates decrease as well.

Sometimes people are unaware that not all insurance policies provide adequate coverage for uninsured motorists. The cost of the premium could increase by adding this coverage to your policy. This also covers you in the unfortunate event that you are hit by an uninsured driver.

TIP! In the unfortunate case of an accident that you have to file an insurance claim for, remember that your insurance company loves documentation. Cell phone pictures provide the perfect record of the damage and location of an accident.

The price you pay for car insurance will be affected significantly by the infractions that appear when your records from the DMV are accessed. However, when your infractions expire, your rates will go back down. When old infractions are off your record, make sure to renew your quotes, so you can start paying less.

TIP! Consider paying the entire annual cost of your insurance at one time. This will save you a service fee that many insurance companies add when you make your payment monthly.

When your children move out, you should remove them from the policy immediately. The more drivers you have on your insurance, the higher the premiums will be. Removing drivers that do not need to be covered by your insurance policy will save you money.

TIP! Look at your deductible if you want to find a way to pay less for insurance. By doing this you will see a huge impact on your current rate.

Insurance rates are an important factor to take into consideration when purchasing a new vehicle. Keep in mind that cars with better safety features get lower premiums. High performance vehicles are not as well-regarded. It is important to calculate this expense into your budget when buying your car.

TIP! If you want the lowest insurance rate, opt for the highest deductible. A high deductible for your car insurance will cost you more if you have an accident but will still provide coverage for repairs after you reach the threshold amount.

Decrease your premium by having a tracker, alarm or immobilizer in your vehicle. Owning a model of car that is frequently the target of thieves, can result in much higher rates. Your insurance will be cheaper if your car is less prone to theft.

Unnecessary Drivers

TIP! When you are with a professional organization, it is possible to get great discounts. If you hold membership with a professional organization, you may be able to receive discounts on your car insurance.

Taking unnecessary drivers off of your vehicle insurance policy can save you money on your monthly premium. If you can remove unnecessary drivers, it will make your premium lower. Removing young drivers from your policy can greatly lower your premiums.

TIP! Drivers who have a short commute, or drive infrequently, can qualify for a discount on their insurance. In order to qualify for the discount you want, you are going to have to drive less than 7,500 miles in a given year.

Practically every driver is paying a different auto insurance premium. Some of this is due to circumstances, such as location and types of cars, but not all. Some people use tricks to get the same or better coverage for less. You can be one of the many people by educating yourself on these tricks to the care insurance trade.


14
Aug 14

Never Shop For Auto Insurance Without These Great Tactics!

TIP! Reduce the number of miles you put on your car annually in order to enjoy lower auto insurance premiums. Auto insurance companies generally offer discounts on your premium depending on how little you drive.

Auto insurance isn’t just for your car. Auto insurance not only protects you, but it protects other people as well. Before you buy a new auto insurance policy, make sure it has all the coverage details you need. This article will guide you toward getting auto insurance that’s right for you.

TIP! If you are thinking of adding a teenager to your auto insurance, find out how much it would cost to put them on your policy, versus the amount it would cost to get them a separate policy. Depending on the type of car your teenager drives, it might be cheaper to have them on a separate policy.

Most states require that you pay for liability insurance. It is up to you to find out whether your state has such a law and, if it does, make sure you are in compliance with it. If you’re not insured or are under-insured and have an accident, you could suffer through a serious financial outcome. In addition, you could be charged with breaking the law.

TIP! Liability insurance is required in many states for those who operate motor vehicles. As a citizen, it is your responsibility to be aware of your state’s auto insurance requirements, and to maintain a policy that meets or exceeds the minimum levels of coverage mandated by your state.

You can purchase insurance that covers more than just the minimum requirements. You are going to have to pay a higher deductible, but it might work out for you in the long run. There are many uninsured motorists on the road, and uninsured motorist protection will protect you if you get into in an accident with one who is found to be at fault.

TIP! If you want to save on insurance, get one that is less sporty. It is more expensive to get car insurance for sports cars.

Reconsider buying after-market add-ons for your car that you do not really need. Although heated seats or an upgraded stereo may improve the quality of your car ride, these are unnecessary add-ons. If you do and your car is destroyed, your policy may not cover it.

TIP! Increase your deductibles to spend less. This move may be risky as you will have to pay more in the event of an accident, but your monthly insurance rates will be cheaper.

Purchase property damage liability when you buy your car insurance. If you don’t you may find that you are paying out of pocket for the mess you create when you have an accident. Most states actually require you to maintain property liability insurance. Although you must invest money, it will be worth the cost if you get in an accident.

TIP! The cost of car insurance is only one aspect of many that you need to consider. You must examine the fine print, so you will know the deductibles you will have to pay in the event of an accident, the levels of coverage and the limits on benefits provided.

You may request quotes when shopping for car insurance, but quote shopping is only part of your selection strategy. Rather, you should read the find print, so you know exactly what your coverage entails.

TIP! You should evaluate each item covered in your auto insurance to see if it might be worth dropping from your policy. Collision insurance might be an unneeded extra if you drive an older vehicle, for instance.

Good insurance can save a lot of money in case of an accident. Choosing a reputable company and thorough coverage will leave you with only the cost of the deductible to deal with in such an occasion.

Save Money

TIP! You shouldn’t buy new cars for teens. Instead, they can use a car that you already own.

You can often save money on your car insurance by bundling it with your other insurance policies. If you insure your car and life in a bundle, you can save money. You will need to get good coverage and a good deal, you may need to get two insurance companies or policies to achieve this.

TIP! Remember to think about coverage if an uninsured person hits you before choosing an auto insurance policy. This can really increase the price you pay, so think twice.

When people evaluate car insurance, one thing that is commonly overlooked is the coverage for uninsured drivers. This factor needs to be considered because it could increase the premium that you pay. It will also give you protection in the event that a driver without insurance hits your car.

TIP! When you see that other companies are offering lower rates, talk to your own insurance agent about it before you decide to look into the other company. Many times, your agent can re-work your policy to get your rates in line with competing offers.

If there are drivers that are listed on your policy who don’t drive your car any longer, have them taken off as soon as possible. Every driver that is on your policy will raise your premiums, so getting rid of inactive drivers will lower them significantly.

TIP! If you feel that an imperfect driving record is unfairly affecting your auto insurance rate, then there may be a way to get that rate lowered. Ask your insurance company if they would lower your rate if you completed a driving course, for example.

Inform your insurance agent of comparable rates from other companies. Sometimes, your current agent can match any lower offers that you find. They would rather lower their rates than lose you as a customer.

TIP! Make sure you know how the company operates and treats customers before you deal with them. Lower rates are not the only factor to consider when shopping for car insurance.

Consider how much monthly insurance rates will be before purchasing a car. When you buy a safe car you will be more reputable. Sporty cars, however, are not. You should remember to include the expense of insurance when you are calculating your monthly car budget.

TIP! If you have any outstanding traffic or parking tickets, be sure to pay them before switching auto insurers. There is no way to hide a bad record from insurance agencies.

Keeping in mind the tips from this article, look again at your policy. Revising your policy may be a good idea. Make changes that ensure the coverage you need is truly there. This will protect you and others.


23
Jul 14

Auto Insurance Tips For Decreasing Your Cost And Increasing Your Coverage

TIP! If you are thinking of purchasing aftermarket enhancements for your car, check to find out how much will be covered by your insurance if there is theft or damage. Most insurance companies do not provide coverage for these parts, but they will pay for what the value of your car is with these parts added on.

Car insurance protects more than just your car. It also covers you, as well as other drivers, in case of injury. Be sure that your policy covers all of your needs. This article is designed to get you the most out of your insurance coverage.

TIP! Carpool or take public transportation. Insurance companies love it when a consumer shows responsibility, and lowering your mileage is one way to show this to them.

Get quotes from a variety of insurance companies before purchasing a policy. Every company uses its own formula, based on your driving record and your responses, to evaluate your insurance premium. Getting multiple quotes is the best way to find a policy that fits your budget and your needs.

TIP! Always get multiple quotes from different companies when buying car insurance. Rates can be very different depending on which company you choose.

If you are searching the market for automobile insurance, you must make sure you comprehend the different types of coverage. There is more involved in the cost of your insurance policy, than just the number of cars you have covered. For example, bodily injury coverage is important, as it covers any injury that is your fault in case of an accident.

TIP! As you shop for auto insurance, remember that your coverage may only apply to the driver named on the policy itself. It is not uncommon for a vehicle owner to lend their auto to someone else, only to find that their insurer will not pay claims when an accident occurs.

When thinking of buying aftermarket car additions, check with your insurance company on how much they will cover if ever your car gets damaged or stolen. Most of the time, they will not cover those unless they add value to the car, but that may not be a lot.

TIP! Downgrade your vehicle to a less-sporty model. It is more expensive to get car insurance for sports cars.

When purchasing auto insurance for a teenage son or daughter, be sure to compare the cost of adding your child to the policy you have currently and purchasing a separate policy. Sometimes, getting your teenager their own policy might be less expensive.

TIP! To start saving money right away, raise your deductibles. This strategy carries some risks, but as long as you’re willing to set aside money each month to cover the cost of your deductible in case of an accident, it can be an excellent way to cut costs.

Take the time to identify what you need your auto insurance policy to cover. There are a many insurance options available for you, but it will not make sense for you to use some of them. You might want to pay for collision coverage if you’re accident prone, though.

TIP! While finding the company that offers the lowest annual premium for your car insurance is important, this is only one of the many factors that you should consider when comparing car insurance quotes. You should also examine items in fine print to find your deductible levels and benefit limits, if you should have an accident.

When selecting your insurance policy, be sure to get quotes from several different agencies. The rates are not the same for all insurers. An annual review of your policy and its premium price against comparative firms is important to ensure that you are always paying the best price available. Make sure these quotes are for a similar amount of coverage when you’re comparing rates.

TIP! If you want to switch to a different auto insurance company, make sure you have a new policy in place before you cancel the one you have. It is not wise to be without insurance, even for a short period of time, as accidents can occur any day.

Try to pay your car insurance on an annual basis rather than monthly. Your auto insurance company may add three to five dollars to your premium. These little sums add up very fast to something more substantial. Also, it could start to be a hassle along with your other bills each month. The less payments you have, the better.

TIP! You can often save money on your car insurance by bundling it with your other insurance policies. Get your car and your home insured at the same place in a bundle.

Consider getting a car that is not so sporty. Insurance for a sports car tends to be quite expensive. Buy a vehicle that is not as popular and high profile. A car with a powerful motor is also more expensive to insure. Sporty cars are more expensive to insure because they are usually the cars that thieves steal.

TIP! Remove other drivers from your policy if you can. Taking inactive drivers off your policy can reduce your overall insurance cost, because your insurance company no longer has to cover them.

Different insurance companies use different methods for determining insurance premiums. If you are unhappy with the quote you received on your car, be sure to check out several competitors as they all have different prices available.

TIP! Documentation is key when you need to file an accident claim. Use your cell phone to take pictures and record video of the damage caused by the accident and the location where it occurred.

If you have an accident that requires an insurance claim, be aware that the company likes everything to be documented. Taking pictures from your cell phone is a good way to record the location and damage of an accident. Keep your camera in your glove box if you do not have a camera on your phone.

TIP! It is important to factor in the cost of your insurance premiums when you are shopping for a new car. The fact is that cars designed with safety in mind often cost less to insure.

A statistic indicating the “consumer complaint ratio” should be shown for many, if not all, the insurance companies doing business in your state. Any number appearing beside a provider represents their percentage of satisfactory claims.

Car Insurance

TIP! If you want to make lower premium payments, find ways to increase your deductible. The dollar amount of premiums are determined primarily by the deductible you choose; don’t be afraid to raise it.

Always do research on the reputation of a car insurance company before signing on with them. It’s important to find insurance you can afford, but that’s not the only important consideration. “You get what you pay for” applies to the car insurance business, and insurers that offer suspiciously low premiums are often the most difficult to deal with and the least charitable in paying out claims.

TIP! If you are over the age of 55 and have retaken your driving tests, you may be eligible for a discount on your insurance. A 10% discount on your bill is pretty nice.

Using what you’ve learned here, take a second look at your existing insurance policy. You could discover that in order to feel properly protected, you’ll need to make some changes to your policy.


08
Jul 14

Use These Tips To Get The Cheapest Auto Insurance

TIP! If you drive fewer miles per year, your insurance rates will decrease. You may find that your insurance company will lower your rate if you lower your annual mileage.

There are some things you can do to lower your insurance premiums, but some things are not changeable. You can, however, lower the cost by accepting higher deductibles and improving your credit. This article will guide you through the different variables and options that will lead to your getting the best price you can on automobile insurance.

TIP! You need to maintain a clean license. Speeding tickets and accidents can really cause your insurance premiums to run high.

You should talk to your insurance agent when you buy costly accessories for your car to ensure that the policy is adequately covering the total value of the vehicle. You may put out $1,000 for a fancy stereo system for your car, but if the car is stolen, your insurance is only going to reimburse you for the $30 value they add to your car’s actual function.

TIP! If you’ve been thinking about adding aftermarket parts to your car, check with your insurance company to see if they will cover the damage of these parts. It has been found that most insurance companies do not pay for these parts, and they mostly just calculate the total amount the car is worth, without taking extra into consideration.

If you are driving, a lot of state require liability insurance. All citizens should know how much insurance coverage is necessary in your state. If you are in an uninsured accident, you will face both legal and financial difficulty.

TIP! In most states you are required to have a liability insurance in order to get your car on the road. It is up to you to know what type of insurance is the minimum required by your state.

The majority of people think car insurance rates for young drivers will drastically decrease as soon as they turn twenty-five. Insurance starts going down at around 18, depending on their track record.

TIP! Often, people expect that their car insurance rates will automatically go down after they turn 25. The truth is they slowly drop after the age of 18.

Your vehicle’s make and model is the number one influencing factor on your auto insurance rates. Depending on your taste in vehicles, from a luxury model hybrid to a beat up gas guzzler, your insurance premium will reflect that taste. A less expensive, safer vehicle will end up saving you money in the long run.

You do not have to switch cars to keep the premiums low. The fewer names on the insurance policy the better the price for your auto insurance.

TIP! Your insurance premium will be dependent upon the brand of car, SUV, truck, ATV, boat or motorcycle you buy or lease. The mileage, make, model and year of the car will determine how much your insurance bill will be.

It’s a good idea to buy property damage liability when you are purchasing auto insurance. This type of coverage will cover damage sustained in an accident. There are only three states left in America that do not have this as a compulsory item. Although you must invest money, it will be worth the cost if you get in an accident.

Fine Print

TIP! Carpooling or taking the bus are both good ideas. Insurance companies pay attention when policyholders act in a responsible manner, and driving less reduces their risk, so they will lower your premiums.

When you are requesting quotes for car insurance, comparing costs of annual premiums is just a small part of your overall analysis. The fine print should be carefully looked at, so that you understand which deductibles you must pay for if you have an accident. In addition, the coverage levels and benefit limits are provided in this fine print.

TIP! The best way to keep your insurance down is to avoid tickets and accidents. A car accident will raise your rates quicker than almost anything else.

Geographical location can have either a negative or positive affect on your insurance premiums. Insurance rates will depend upon if you live in a large city or in a rural town. For the most part, rural and suburban areas tend to have lower insurance rates than urban areas.

TIP! Make a detailed checklist of the discounts that the insurance company offers, then tick off all the ones that you qualify for. You’d be surprised how much you’ll save if you claim discounts.

In the event of a crash, you can save yourself a great deal of time and money by properly insuring your car. The policyholder is expected to pay a portion of the claim, called a deductible. Any claims over and above the deductible will be paid by the insurer.

TIP! When you see that other companies are offering lower rates, talk to your own insurance agent about it before you decide to look into the other company. Oftentimes insurers will offer you more competitive premiums in order to keep your business.

Talk to your automobile insurance agent and have them give you a list of the discounts they offer. Take note of ones you qualify for, and try to get those discounts. This will save you the most amount of money possible.

TIP! Consider what a new car will cost to insure before you make the purchase. There are some cars that have lower rates because they are considered safer.

Don’t buy your teen a car. It is a good idea to let them drive one of the family cars. Including them into your existing insurance will help keep premiums down. If they get good grades in school or remain on the honor roll, they might even qualify you for a discount.

TIP! If you have a decent car and some assets that need protecting, try 100/200/100 level coverage. Your state has set a minimum amount of liability coverage that you must have in order to get a license to drive.

Many times your insurance company can provide you with a list of discounts, so you can clearly see which ones you may be eligible for. Claiming these discounts can save you a surprising amount of money.

Liability Coverage

TIP! Look at your deductible if you want to find a way to pay less for insurance. Raising the price of the deductible on your policy has the largest influence on the cost of your insurance.

It is important to understand what the different auto insurance policies cover, in order to determine how much insurance you should need. If you are totally loaded, then you need enough liability coverage to protect your assets. Remember, if you are faulted in a serious accident, the medical liability can reach hundreds of thousands of dollars. Many insurance agents recommend doubling the minimum liability coverage mandated by the state. It’s important to stay on the safe side when choosing your level of coverage.

TIP! Keep track of all the insurance bills that you pay. This is great if you ever run into any problems with your insurance provider as you now have physical proof.

Before purchasing a vehicle, you should also consider the cost to insure that vehicle. The fact is that cars designed with safety in mind often cost less to insure. Most sports cars are not considered “safer vehicles”. Be sure to incorporate this expense into the budgeting for your car expenses.

Auto Insurance

TIP! If you take time to list each of the safety features of your new car, you may be able to get a lower insurance premium. Certain features earn significant rate discounts, such as having a car alarm or extra air bags.

To lower your auto insurance rates, work on increasing your FICO score. Auto insurance companies check the credit of new customers. Credit scores can be factored into the cost of your automotive insurance. Poor credit may actually result in a higher premium. If you want to keep insurance low, make sure you have a good credit score.

TIP! One way to reduce the cost of insurance is by moving to another city or state. Premiums and insurance policies can vary based on your geographic location.

Certain insurance companies give people over the age fifty-five a discount if they take an additional driving course to refresh themselves. It is great when you receive a 10% discount on car insurance.

TIP! Additional insurance coverage increases your insurance premium. If you choose to include car rental coverage in the event your car is in an accident, this will cost you additional money in premiums.

As was noted above, it is possible to change your auto policy in ways that will lower its cost. You can change all sorts of things about your situation to lower your rates. By understanding how these factors can increase or decrease your driving risk in the eyes of your insurance company, you may be able to reduce your rates.


28
Jun 14

Shrewd Tips To Help With Auto Insurance

TIP! Get quotes from a variety of insurance companies before purchasing a policy. Every company uses its own formula, based on your driving record and your responses, to evaluate your insurance premium.

Shopping for car insurance can be quite a process. Choosing the right auto insurance requires some attention to obtain the insurance coverage that best suits your budget needs. The tips in this article will help you find the right insurance for you.

A great way to reduce your insurance bill is by lowering your mileage each year. Less time behind the wheel can mean a lower premium for you.

TIP! When you are considering accessories for your car, be sure to consult your insurance agent in regards to how these accessories will affect your coverage. A set of rims might set you back $1,000 but if they only add $30 of value to the car according to the appraiser, you will lose the difference in the event that the vehicle gets stolen.

Be sure of what coverage you need when it comes to buying car insurance. There are a many insurance options available for you, but it will not make sense for you to use some of them. On the other hand, if you are accident prone, paying for collision coverage may be a good idea.

TIP! Letting your auto insurance coverage lapse will raise your insurance rates. If you continuously switch insurance providers, it will make gaps in coverage.

Remember that when you buy auto insurance, you are only covering the people that are on the policy. Insurance companies rarely pay for accidents that occur when a friend or some other party is behind the wheel of the vehicle. You can get a policy that allows other people to take the wheel of your car, but it costs more for that coverage.

TIP! Maintaining a spotless driving record is easily the soundest advice you will ever get for car insurance. Getting in an accident will drastically increase your rates.

To start saving money right away, raise your deductibles. This can blow up in your face if you need to make a large claim, but so long as you save money to cover anything insurance won’t, you might come out ahead in the end. A higher deductible means a lower premium.

TIP! Just because auto insurance is cheap, does not mean it does not warrant further investigation. Such quotes may exclude extra charges or full coverage.

Insurance has many factors, and the cost is just one of the ones you should think about when doing research. You must examine the fine print, so you will know the deductibles you will have to pay in the event of an accident, the levels of coverage and the limits on benefits provided.

TIP! The right kind of insurance will save an individual a great deal of money in the event that an accident occurs. Determining the right deductible is one thing to think about.

Keep your current insurance policy until you know are willing to make the change to the next one, and you have been underwritten for the new policy. You do not want to be without car insurance, even if it is just for a couple of days.

Not all car insurance providers are equal. If you don’t like the first quote you get, request quotes from other insurance companies.

Try getting rates from multiple companies before picking one for your car. Doing research will allow you to find the best rate for you.

TIP! Get quotes from a few different insurance carriers before you settle on a policy. By shopping around, you will be able to receive the best rate for your insurance policy.

Make sure you have all the paperwork for additions or repairs made to vehicles and give them to your insurance company. Mobile phone photos are a convenient means of documenting damage. It can be a good idea to always carry a camera with you in the car, just in case.

TIP! Remove family members from your policy that do not operate your vehicles any longer. If you remove an extra person your rates will often go down, because the insurance company is taking the risk for one less individual.

When you are purchasing your next vehicle, make sure you know what the monthly costs for insurance will be. Don’t forget that insurers have a more favorable view of safer cars. Sportier cars are frowned upon and will cost you more. Be sure the premiums for your new car fit comfortably into your budget.

Driving Record

TIP! If you have a valuable car and hardly any assets you should go with 100/200/100 coverage. In most states you are required to have a designated minimum level of liability coverage, so always make sure to be covered by this minimum amount in case of an accident.

Be sure you are aware of your recent driving record when considering changing your insurance provider. If you recently received a ticket you may want to wait to do this. There is no reason you should not clean up your driving record, and you can be certain that insurers are going to examine it carefully. Not only will it show you are a good driver and reflect positively on your insurance policy, it is also the safest things you can do.

TIP! Consider paying the entire annual cost of your insurance at one time. It’s common for it to cost more if you pay monthly due to service fees.

Defensive driving courses offer an easy way to enjoy lowered insurance premiums. A vast majority of insurance providers will give a discount to those who take these courses. You may also benefit from being a safer driver as a result of the course. You can find these classes at your local driving schools. Check with your insurance company to see if they have any recommendations. Sometimes, these classes are available in online form.

TIP! You can save on insurance easily if you enroll yourself in a defensive driving course. The majority of auto insurance companies offer discounts on premiums for successfully passing a defensive driving course.

Now you know that there is much more to buying insurance than is commonly believed. Between your common sense and your research efforts, your diligence will pay off in the end when you have a policy that protects you and your vehicle properly. By following the above tips, you can be smarter about choosing a better auto policy.


27
Jun 14

Need To Purchase Auto Insurance? Check Out These Ideas!

TIP! Be sure to shop around prior to buying an insurance policy. Every company has their own algorithms to decide your premium.

You are required to have car insurance if you are going to be driving an automobile. It can sometimes be difficult to determine the kind of and amount of insurance you should get as part of your policy for your vehicle. You may be overawed by the numerous choices. It isn’t necessary to be intimidated. The tips here can help you gain knowledge about auto insurance.

TIP! You need to keep your premiums low and always keep coverage. If you keep switching insurance policy providers, your coverage will lapse, and rates will increase.

Consider all your options prior to purchasing insurance. Every insurance company has their own way of calculating your risk level and premium rates. By researching many competitors, it becomes easier to find a good deal and save money.

TIP! You can buy additional insurance beyond the state minimum if you so choose. Your cost will be more, but if you get into an accident, it will be worth the extra expense.

If you buy aftermarket enhancements for your car, determine the insurance consequences should your car get damaged or stolen. Most insurance companies do not provide coverage for these parts, but they will pay for what the value of your car is with these parts added on.

TIP! It is not a good idea make your insurance premium payments on a monthly basis. It is common for insurance agencies to add around $4 to a monthly bill.

When you are in the market for a car, check the average insurance rate of each model you are considering. Talk to your insurance agent about which cars offer the best rates. This can help you a lot when thinking about buying a new or used car. Your insurance premiums might go down dramatically if you settle on a car with superior safety ratings.

TIP! Maintaining a spotless driving record is easily the soundest advice you will ever get for car insurance. Getting in a cat accident will cause your premiums to increase right away.

Most states have laws that require you to carry appropriate auto liability insurance when you drive. As a citizen, it is your responsibility to be aware of your state’s auto insurance requirements, and to maintain a policy that meets or exceeds the minimum levels of coverage mandated by your state. Getting in an accident and not having adequate insurance coverage can have major financial consequences, and it can also be a violation of law.

TIP! If you need to save money, choose a higher deductible. It is a bit risky, but it will help you save on your insurance premiums.

Commute when you can. Impress your insurance companies by keeping your mileage down and they may reward you with lower rates. By telling your agent you take public transportation, you could be in line for a discount that will reduce your premium.

TIP! While you are obtaining quotes for auto insurance, bear in mind that the annual premium cost is not the only feature you should be comparing. You should also examine items in fine print to find your deductible levels and benefit limits, if you should have an accident.

When purchasing car insurance, get quotes from multiple carriers. In the insurance world, you will find that rates can vary greatly from company to company. You should look around for a new quote about once per year. Being sure that the coverage is the same between the quotes that you are comparing.

TIP! You should be aware that there are multiple kinds of insurance coverage so that you can be sure your policy covers the things you need. Liability coverage protects you if you cause injury or damage to a person or their property, and you will need to be protected in the event of self injury or damage to your own property.

As you shop for auto insurance, remember that your coverage may only apply to the driver named on the policy itself. Often people will allow a buddy to use their vehicle, but if the buddy is involved in a car accident, the insurance company can deny payment of any claims. Although it will cost extra, you can elect for coverage which will permit other drivers to operate your vehicle.

TIP! Do not buy your teenager a car. It is a good idea to let them drive one of the family cars.

Replace your high-performance car with a simpler, less costly one. It is more expensive to get car insurance for sports cars. Low-profile cars are the better option. Generally, if the car has a big engine, you can expect to pay higher insurance premiums. Expensive vehicles are frequently targets of theft. This factors into your insurance cost.

TIP! Let your insurance agent know if you see a lower rate and are thinking of switching. Most of the time, they will be happy to review your policy and do their best to adjust it.

Maintaining a spotless driving record is easily the soundest advice you will ever get for car insurance. There is almost no event more detrimental to policy cost than a collision. You need to be aware of your own limitations. Knowing this can help you avoid situations in which you are at greater risk. If you have poor night vision, avoid driving at night.

Auto Insurance

TIP! Always try to remember the cost of insurance each month. Keep in mind that cars with better safety features get lower premiums.

These are just some starter tips for getting to know about auto insurance. The more knowledge you have about auto insurance, the less perplexing it will be. Once you fully understand all the ins and outs of insurance, you will be better prepared to determine your own needs.


21
Jun 14

Tips To Get The Lowest Price On Car Insurance

TIP! When you are considering accessories for your car, be sure to consult your insurance agent in regards to how these accessories will affect your coverage. You might buy some classy rims that retail for a thousand, but if those rims only increase your car’s value by $30, you’ll be out the other $970 should something happen to your car.

If you plan on driving a car, plan on getting auto insurance. However, it can be a challenge to figure out exactly what kind of policy to purchase. There are a lot of options out there in the world of insurance, so it’s easy to get overwhelmed. This process does not have to be so hard. Learn more about choosing the right coverage for you by reading this article.

TIP! Whatever truck or a car you choose to buy will dictate how much your insurance payment will be every month. Insurance companies charge higher premiums for that high end luxury model you love so much.

Be careful to always maintain a clean driving record. Accidents and moving violations on your record will drastically increase your insurance premiums. If you do get cited for a moving violation, you should opt for traffic school to keep it off your record.

TIP! You will serve yourself better by acquiring various quotes for car insurance. Rates can be very different depending on which company you choose.

Before purchasing a new vehicle, always research insurance rates. Insurance agents will be able to advise you on what type of car has low insurance rates. This should help you choose your next vehicle, whether it’s new or used. In addition, purchasing vehicles with good safety ratings can help save a large sum of money on car insurance.

TIP! Stay away from sports cars. Insurance for a sports car tends to be quite expensive.

After market additions may be fun and something great to have on your vehicle, but they are also expensive and sometimes really not essential, so always make a wise decision on whether or not you wish to purchase these types of things. A decked out stereo system or toasty heated seats are nice to have, but they are not necessities. If ever you car is stolen or totaled, your insurance won‘t reimburse you for damages done to it.

TIP! Raise your deductible to save money on your premium. Although you are taking your chances, this can be a good choice if you are able to save the money for the higher deductible.

Do not pay the monthly payments for insurance; do it quarterly. Your auto insurance company may add three to five dollars to your premium. This can be expensive over time. If you have tons of other monthly bills, it can quickly become a large burden. The fewer payments, the better.

TIP! There are many aspects to car insurance and one small part of comparing quotes is to look at the annual premium costs. You must examine the fine print, so you will know the deductibles you will have to pay in the event of an accident, the levels of coverage and the limits on benefits provided.

Be aware of the different varieties of insurance coverage, and be sure your policy is complete. It’s important that you have liability in the case that you cause damage or injury, and that damage done to you or your own car is covered as well. It will also be important to obtain uninsured motorist coverage, as well as coverage for things such as fire damage or harm caused by natural disasters.

TIP! Speak with your auto insurance company and ask them about discounts they may have. Go through the list of discounts to be sure you get every one that applies so you save money.

Having more than one policy with an insurer can reduce your auto insurance costs. Get your car and your home insured at the same place in a bundle. Make sure to compare the cost of combining your home and auto or insuring them separately before making the decision to bundle.

TIP! Research the different types of coverage available, and check to determine whether or not your coverage covers all possibilities. You will need liability both if you injure someone or damage their property and a coverage of the damage to your car and of any medical payments.

Look over your policy to see whether or not you are covered if someone without insurance hits you. It increases the cost of your premium if you opt in for this coverage, so it is something you’ll want to carefully consider. This also covers you in the unfortunate event that you are hit by an uninsured driver.

Shop around before settling on one provider. You will likely have to check with many companies before you find the best policy and cost for your needs.

TIP! Many times your insurance company can provide you with a list of discounts, so you can clearly see which ones you may be eligible for. Claiming these discounts can save you a surprising amount of money.

If your car is driven a minimal amount of miles each year, let your insurance company know. It could save you money. Obviously, decreasing the miles you drive annually is a good way to lower your insurance premiums.

TIP! If you have tickets for violations or points deducted from your record, the amount you will have to pay for auto insurance premiums will be significantly higher. Once these negative marks expire and are removed from your record, your insurance rate will be reduced.

In case you have an accident in which you need to file an insurance claim, remember that insurance companies love documentation. As soon as you get into an accident, you will want to take photos and you can do this with your cell phone. It can be a good idea to keep a camera with you in the car in case you are in an accident.

TIP! If you are in an accident and need to file a claim, be sure to get plenty of documentation. Use your cell phone to take pictures of the damage and where the accident took place.

This is a good, beginner-friendly introduction to auto insurance. The more knowledge you have, the more you will understand the way insurance coverage works. This will help you choose the options best for you.


25
May 14

Auto Insurance Tricks That Everyone Should Know

Many people believe that auto insurance is hard to understand. If you arm yourself with knowledge it will be so easy!

TIP! When purchasing car insurance, it is important to keep in mind that they are only insuring the driver of the car that is on the policy. Often times, what can happen is this; a person will allow someone else to drive their car.

Before purchasing insurance, shop around for the best price. Every insurance company has their own way of calculating your risk level and premium rates. By shopping around, you can really save money.

TIP! While you are shopping around for car insurance policies, make sure to include property damage liability in your quotes. This way you know that you will be covered when damage is caused by your vehicle in an accident.

Make sure to research insurance costs when you are purchasing a car. Talk to your insurance agent about which cars offer the best rates. Knowing the rates can help you in choosing the car that is best for you. You won’t pay as much on car insurance if you buy a car with a solid safety rating.

TIP! Raising the amount of your deductibles is a great way to save money on insurance. Doing this can be a worthwhile way of saving money if you are willing to store money away in case you do get in to an accident.

If you want to buy aftermarket parts or decorations for your car, ask your agent about the insurance consequences. You may find, for example, that the $2,000 you spent to upgrade your car into racing form actually added less than $500 to the vehicle’s appraised values. Should the vehicle get stolen, you’re out the difference.

TIP! Whenever you are requesting a car insurance quote, understand that the annual premiums are not the only thing that matters. By reading the fine print you will be able to find out the amount of the deductible you will owe if you have an accident, the total coverage on the policy and the upper limits of any benefits provided.

Think about whether your car really needs those fancy, expensive accessories. Upgrades such as leather seats and a killer sound system are awesome, but these are not things you really need. You may not be able to have your insurer reimburse you if you are in an accident or your car is stolen.

TIP! Consider removing some of the coverage from your insurance policy that you no longer need. Collision insurance is not necessary if you own a car that is not necessarily one with a lot of value.

Do not pay the monthly payments for insurance; do it quarterly. You can save around 5 dollars a month if you do this. These fees can add up over the year. Adding another bill to your monthly pile can also turn into a nuisance. Stick to this simple rule: make as few payments as possible.

TIP! Get informed on the different kinds of car insurance, and make sure you have enough to keep you covered in any type of situation. Liability is needed both to cover any injury you cause to someone else or damage you do to their property, as well as to cover any damage to your own vehicle or injuries you may suffer.

Think about buying an economy sedan and getting rid of your sports car. Sports cars generally cost more in insurance costs. A car with a lower profile on the street will be a better decision. When it comes to insurance, larger motors cost more to insure. Sporty models are also targets for theft, which increases the cost of insuring them.

TIP! Take an inventory of all of them, and analyze whether you are eligible to save a bit of money. You’d be surprised how much you’ll save if you claim discounts.

Be aware that the cheapest insurance quote may not mean it is the best policy for your automobile needs. It could be the bargain of the year, or it may not be adequate insurance for you at all. Make sure you find out about the insurance company and your policy because you want the best helping you out if you need to file a claim.

TIP! Look over your policy to see whether or not you are covered if someone without insurance hits you. This is something to give a good amount of consideration to as it can dramatically raise the price of your policy.

You should be aware that there are multiple kinds of insurance coverage so that you can be sure your policy covers the things you need. Liability insurance covers your car’s repairs in the event of an accident as well as the repairs for the other person involved. It also covers medical payments should hospitalization be necessary. You can also insure your car against uninsured drivers or against natural disasters like fire or flooding.

TIP! Shop around before settling on one provider. Odds are, you’ll have to spend some time looking, if you want to get a really great rate.

Many people do not realize that their insurance may not cover other drivers who are uninsured that cause an accident. You will want to consider this option if your budget allows for including this type of coverage. It will also protect you in the event that you are in an accident with an uninsured driver.

Look over your policy and remove anyone who no longer drives the vehicle. Extra drivers mean extra risk, so removing drivers is one way to reduce a premium.

TIP! Determining the amount of insurance compensation you need can be overwhelming for some. The amount of liability coverage may be the most crucial decision.

If you drive no more than 7500 miles annually, you will likely qualify for a sizable discount from your insurance company. If you are looking to cut back on your car insurance costs, this is a great place to begin.

TIP! In case you have an accident in which you need to file an insurance claim, remember that insurance companies love documentation. Use your cell phone to take pictures right after an accident occurs to record documentation that can be given to your insurance company.

If you have an accident that requires an insurance claim, be aware that the company likes everything to be documented. Taking pictures from your cell phone is a good way to record the location and damage of an accident. It may even make sense to keep a camera in the vehicle so that you are prepared for any circumstance.

TIP! If you can afford it, you should make your policy payment in one lump sum. Many insurance agencies tack on a service charge if you want to pay in monthly installments.

A ratio of consumer complaint statistics should be accessible for the major providers found in your state. This number represents the percentage of claims that show which given providers have complaints.

TIP! There are ways to lower your car insurance rate, if the high amount is due to a less-than-perfect driving record. For instance, many insurance companies will agree to reduce your insurance rates if you take a safe driving course after you get an infraction on your license.

Anyone can use the tips offered in the article. You need to listen to these tips and use them on whatever insurance you are needing. Ultimately you are striving to get coverage that is adequate for your situation, while keeping your premium to a minimum, and applying these tips can help you do this.


23
Apr 14

The Right Advice To Make Auto Insurance Easy

TIP! Most people incorrectly believe that insurance rates will definitely decrease as a person reaches the age of 25. Actually, rates decrease beginning when you are 18 as long as you do not have any blemishes on your driving record.

Many factors can be changed to affect the cost, while others are fixed. Having higher deductibles on your policy will lower the cost of the premiums. The tips in this piece can prove valuable in your search for the lowest prices for car insurance.

TIP! You can purchase insurance that covers more than just the minimum requirements. Your premium might be more expensive, but the extra options are often worth it.

Know what kind of coverage your insurance company has to offer. There is more involved in the cost of your insurance policy, than just the number of cars you have covered. To be covered for all costs that might arise if you hit someone with your automobile, you need bodily injury liability.

TIP! Make sure you think about the specific components your auto policy must have with respect to coverage. While many insurance options are available, some do not make sense.

The make and model of the vehicle you buy will play a significant role in the amount your auto insurance will cost. If the insurance costs matter to you, then it may be best to keep that in mind when making your choice. To save money on insurance, purchase a vehicle that is safe and modest.

Car Insurance

TIP! If you want to move consider where you can get better insurance. Insurance companies establish rates for different areas according to the likelihood of certain events occurring, such as accidents or theft.

It is prudent to shop around when you are looking for car insurance, as this is a fiercely competitive industry. Many times, different companies will offer very different rates. Shop around for rate quotes at least annually in order to know you are not paying too much. When you get car insurance quotes from different companies, make sure they apply to an equal amount of coverage.

TIP! The right insurance can save one a great amount of money if they ever get in a car crash or have any other kind of accident happen. The insured will be required to pay a predetermined deductible determined by their insurance provider.

Don’t automatically accept the cheapest quotes. It may or may not be a good deal. Read the fine print on any insurance policy and ask questions of their representatives. Investigation of the insurance policy and what terms and conditions their insurance contains is vital before you sign up. You don’t want to find out the hard way that you are not actually covered in the event of an accident.

TIP! Try to bundle your insurance to save money. If you insure your car and life in a bundle, you can save money.

You may request quotes when shopping for car insurance, but quote shopping is only part of your selection strategy. Look through the find print so you know exactly what you are liable for if you have an accident.

TIP! Make sure only current drivers are covered on your insurance. Taking inactive drivers off your policy can reduce your overall insurance cost, because your insurance company no longer has to cover them.

Having more than one policy with an insurer can reduce your auto insurance costs. Search for these types of offers, especially those that bundle auto and homeowners insurance. Be certain you receive solid coverage at a fair price, even if it means purchasing multiple different policies.

TIP! If your car is driven a minimal amount of miles each year, let your insurance company know. It could save you money.

By making a list of discounts, you can see exactly which discounts you can get, as well as which ones you may be able to get with only slight changes in your driving habits. It’s quite surprising how much money can be saved through discounts.

TIP! Collect as much documentation as possible immediately after an accident. This information will be needed by your insurance company to make determinations about your claim.

Your car insurance is strongly affected by traffic tickets and points influencing your driving record. Conversely, whenever these things are removed from your record, you can see your insurance rates decrease as well. After you clean up your record, check with your insurer about premium reductions or even go looking for a new, better deal.

TIP! There should be a “consumer complaint ratio” for many insurance companies in your state. This is a percentage of claims that the agency agrees to fulfill.

Talk to your own insurance agent before switching companies due to a quote from another company. In many cases, they will be willing to decrease your rate in order to compete with lower prices.

TIP! You should always check to make sure your traffic record is clear before you change your insurance provider. Remember that the insurance companies look at your record, so don’t expect sympathy for not paying fines that you owe.

You may want to pay it all at one time. There are many companies that charge you a fee for paying in installments or monthly payments. A great way to avoid this fee is to start saving now, and when your policy is ready to be renewed, pay it off for the entire year.

Check the consumer complaint number of insurance providers listed for your state. This will show you what the percentage is of claims that are followed with a complaint.

TIP! Car insurance expenses can be reduced by choosing a higher deductible, meaning the amount of money you will pay before your insurance policy applies. High deductibles protect you if your vehicle is totaled or if you are liable for accidents; however, it would still be your responsibility to repair damage from smaller accidents.

An easy way to save money on auto insurance is to enroll in a course on defensive driving. You will be able to get discounts from most insurance companies if you take one of these classes. It can also show you some things you don’t know about safety and improve your driving as well. Check with any local driving schools in your area because most will offer these classes. Taking a course on the Internet is also an option.

Insurance Premiums

TIP! It is important to review your automotive insurance policy for errors. If there are any mistakes on your policy, you may get denied when it comes time to file a claim, or you may being paying more than you need to be.

As stated at the beginning of this piece, you have influence over a number of factors that determine your insurance premiums. You can control how far you commute, your driving history and your credit rating. With a little homework on your part, you can lower your insurance premiums to a manageable cost.