Get Cheap Car Insurance Premiums And Rates Right Now

Submitted by: Bill Sheers

You have heard the commercials. They tell you that you are paying too much for your car insurance. I think we get bombarded with those commercials so much that we never really do anything about it. I love the Gieco cavemen, but it never makes me call my insurance guy and get a new quote. I think I should though. Their truly are a lot of ways to save on your insurance rates. I’m probably paying more than I have to and you most likely are too. Here are some ways to cut down that rate.

#1 Ask for discounts

You never know. Most of us have heard of the multi policy discount or the ‘I don’t drive a lot’ discount, but there are usually many more. If you are a Veteran you may get a discount or even a member of different groups can sometimes get a little extra discount. Ask. It won’t hurt and you might just qualify for one of these hidden gems.

#2 Keep your record clean.

Don’t get tickets, plain and simple. If you already have some, start now to get the record cleaned up. It can save you anywhere between 15%-25%. That’s huge and worth following the law.

#3 How much do you want to spend if you get into an accident?

You have to have a certain amount of coverage that will cover the other person if you get into a wreck, but you can lower your own coverage if you want, especially if you own the car outright. But be careful. You could end up paying big bucks out of pocket if you are under insured. A good rule of thumb is that is your car is pretty old you may what to take the chance.

#4 Get anti-theft devices

These things like Lo-Jack and other security systems will definitely give you a discount with your insurer, maybe even as much as 20%. It’s worth looking into. Not to mention the fact that your car won’t get ripped off and hike up your rates. Win-Win.

Think about implementing a few of these things. You won’t be sorry and if you did just two of these things I think it’s safe to say you would save some kind of money.

Here are some terms you may come across in your search:

Accidental Death Benefit (ADB): A supplementary life insurance policy benefit that provides a death benefit in addition to the policy s basic death benefit if the insured s death occurs as the result of an accident.

Automobile Insurance Premium Discounts: A discount offered to drivers for such safeguards as air bags, seat belts, good driving record, anti-theft devices, multiple vehicles, training courses, good grades, group membership, employment or degrees, pre-purchasing, low mileage, and renewal or prior insurance.

Hit and Run: An accident caused by someone who does not stop to assist or provide information.

Liability: Any legally enforceable obligation or responsibility for the injury or damage suffered by another person.

About the Author: Check out

fullsizecarreviews.com

for some insurance information

Source:

isnare.com

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