Copyright 2005 Dean Shainin
Those TV commercials featuring happy customers who saved money
and got low cost auto insurance aren't just hype. After many
years of rate increases and premiums, the cost of auto insurance
is finally starting to come down. But auto insurance companies
are still choosy about who can get a break on their insurance
costs.
It is wise to start with your current auto insurance company to
make sure you're paying as little as possible for your premium.
The next step is to consider other ways to get low cost auto
insurance and the discounts you can take advantage of.
Effective Ways To Get Low Cost Auto Insurance
* Buy A Safer Vehicle. Premiums for collision and comprehensive
coverage depend on accident and theft claims and the costs of
repairing your vehicle. The more expensive the vehicle, the more
you will pay. Buying a safer car can help you get low cost auto
insurance. Simply look into vehicle ratings. Auto manufacturers
have 1 to 5 star government crash test ratings. A 5 star crash
test rating is the best a vehicle can get.
* Work On Your Credit Score. The better your credit, the higher
your insurance score. This score is a slightly modified version
of your credit score that insures use to help set rates.
* Combine Auto And Homeowners Insurance. You can shop for both
as a package, and you can typically save up to 10 % on each. You
can also add an umbrella liability, or a life or health
insurance policy and get an even better price break.
* Clean Up Your Driving Record. Three years without a ticket or
accident are usually enough to qualify you for low cost auto
insurance premiums that are available.
* Drop Collision And Comprehensive On An Older Vehicle. You can
reduce your premium by at least 1/3rd. Raising your deductible
from $400 to $1,200 on most vehicles can save you as much as
40%. This is a very effective way to get low cost auto insurance.
* Ask For Discounts. Getting a 10% discount on a multicar
discount may be automatic, but many other price breaks aren't
always as obvious. If you drive fewer than 7,500 miles a year,
you can usually get you a 5% to 10% discount. You can get a
lower premium if your vehicle has anti-theft devices and you may
pay less if you have safety features such as ABS brakes and
automatic seatbelts. Your type of occupation can also get you a
low cost auto insurance policy discount up to 10%. Taking a safe
drivers class can help you get a discount, but it has to be
voluntary and not because of a traffic violation.
You can get low cost auto insurance with a little time and
research into the many aspects that effect the cost of your
insurance premiums. It's best to get several auto insurance
quotes online, so you can easily compare the best rates and
plans.
About the author:
Dean Shainin offers free online low cost auto insurance quotes.
For more information, articles, news, tools and valuable
resources on low cost auto insurance, visit this site:
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