Whether you pulled into the garage with a new race demon or just finalized an old clunker on Craigslist’s—you are legally obligated to insure yourself, others and your newest four-wheeled purchase. Monthly auto insurance rates are usually the first things auto insurance buyers consider.
Before dotting the “i” on your auto insurance, consider these five steps as your guide to finding which policy is best suited to you and your family. Start your search today at https://www.autoinsurance.us/
Don’t always Settle for State (or lender) Minimum
When shopping for auto insurance, it’s imperative to think long-term. Sure, high monthly payments are hard to look at. But when considering the probability of filing a claim you be thankful not settling at risk premium. Fortunately, there’re insurance companies available that provide worlds: price, coverage and customer service.
Don’t Depend on Higher Deductibles to Save you Money
Let’s say you’ve just been involved in an accident. Fortunately, everyone is OK, however your car, well, that’s a different story. If you’re repair totals out to be $7,500, you’re required to pay a $1,500 deductible. This means that you’re going to have to come up with covering 20 percent of the costs all at once. On the other hand, if you pay a $400 deductible, you’ll only need $80 to pay out of pocket. Before settling on auto insurance, visualize this situation and think of the affect it could have on your personal and family needs.
Explore Available Discounts
Here is where consulting with your insurance agent is vital. Many car companies are equipped with safety features that could help to lower your monthly premium. So, get to know your car’s features inside and out—it could save some serious cash. If you’re driving records are also clean, you may be also eligible for discounts. Talk you’re your insurance agent and consider the options available regarding possible discounts.
Get Rid of your “boy who cried sheep,” Mentality
Desperation and money seem to go hand in hand. Lying to your auto insurance can seem like an easy and feasible route to take, but when you consider the risk you’re putting yourself into—think again. If caught, an unethical claim can skyrocket your monthly premiums or even cost your plan all together.
Research your Vehicles thievery Stats
You love your new car. Guess who also loves your car? Criminals. If your set of wheels is deemed popular amongst thieves, you’re at a risk of paying more on your premiums. Research which car models are most stolen in your state.
Contact Local Body Shops
Another great way to find which insurer is a reputable agency is to research your go-to body shops around town and ask for their opinion. Most auto repair businesses have a good understanding of which insurance agencies their customers work best with. A third party perspective is never a bad route to explore when buying insurance.