How to Buy Car Insurance
So its time for you to buy car insurance. You have either purchased another car, or your auto insurance policy is up for renewal and you have to purchase car insurance for another year. What do you do? Probably nothing: you probably just stick with the same car insurer you have always used. Its amazing how people who will spend ages looking for the best deal when they are trying to renew their car will just sit back and take it when they have to renew their insurance.
Even if this is you first policy, you must take time to look around and compare auto insurance prices and packages. If you price car ins properly, you will find that some auto insurance companies will give you better deals than others, just as car dealers will offer different deals. Here are a few tips on how to get a good deal from your automobile insurance company.
The first thing to do is to provide a number of companies with the same details and ask for a car insurance price quote. Choose three or four and get the quotes. Remember that you are not haggling at this stage, just getting the basic information, it is important to know your credit score, click on the link and get your free credit report. Then check out what discounts you can get from each based on the following information.
If you have an old car that will cost you more for comprehensive and collision cover than you would get paid out, then drop that coverage and ask for a re-quote for the minimum auto insurance policy allowed by your state. You will be surprised at the difference in the premiums.
The deductible is the amount you will have to pay yourself on each claim. The higher the deductible, the lower the premium. If you think you are a safe driver, then take that into consideration when buying car insurance. A high deductible might be good way for you to reduce your premium.
If you have fitted airbags or anti-lock brakes then ask for a discount on collision cover. Most companies will offer a discount on the basic premium if these are fitted to your car. Buy your policy online and ask your company what other discounts are available. Many provide discounts for having an alarm system, having taken advanced driving courses, being over a certain age and having a good driving record with no claims over a period of time. The salespersons are out to make money not offer discounts, so you have to ask for them.
This does not always work, but you will frequently find that an insurer will give you low price car insurance if you already insure your home and contents from the company. Your company might also be able to arrange cheaper policy through a group company deal. Always ask. Pay As You Go ins., is becoming more popular among those that do not drive much. If your annual mileage is low then you should consider it. It is very popular in the UK and Europe, and is now becoming commonly available in the USA.
You can often get a better deal on the internet than in an off line store since there are fewer overheads for a company that trades exclusively online. It is also easier to compare prices online – it’s better than trudging the streets from insurer to insurer, and it is much easier to find the best deal going for you.
These are a few things to look for when buying inexpensive car insurance that will help to keep your policy price low. However, you must be prepared to bargain and keep seeking these discounts that will be on offer but that will have to be squeezed out of auto insurers. When you buy car insurance be prepared to haggle to get the best premium price that you can.
Author: Brent A. Kenny
Copyright 2007 – Brent A. Kenny. All Rights Reserved Worldwide. Reprint Rights: You may reprint this article as long as you leave all of the links active.
Watch this video for a demonstration of “How To Buy Car Insurance”. Tocomplete the task, you will need: A credit report Knowledge of local law Careful consideration Get started with the first step: Check your credit report for errors. Insurance companies use your credit rating to help determine your rate. For the complete guide, go to www.howcast.com Also check out Howcast for other do-it-yourself videos from Dynamic and more videos in the Car Insurance category. How can you contribute? Create your own DIY guide at www.howcast.com or produce your own Howcast spots with the Howcast Filmmakers Program at www.howcast.com
Video Rating: 4 / 5
Related posts:
Anyone have an increase in car insurance this year, 2010? Even with a good record and same insurance company for years? We have Allstate around 20 years, nothing on our record. Raised our car insurance 25 percent, they said everybody’s went up. What? In this economy? Now Paying 450 bucks for 6 months on two cars that are 1995 and 1997. Liability. 100 deductible. We are in our late 40’s live in California.
Very informative video and put together well. Learn secrets here.
howtobuycarinsurance(dot)org
I think Allstate is the way to go! Call them at 1-888-384-6096!
Dosn`t matter if you’re looking for a cheaper rate or a different coverage plan altogether, we can help
If it were me, I’d skip the step about credit report. Just get free quotes and go from there.
bestdallasautoinsurance (dot) com
fuck thats great but your fucked when or if u get hit….Xo
get auto insurance online,insurance quote,automobile insurance,car insurance,
insurance quotes,insurance companies,insurance policy,compare insurance,liability insurance
buycar-insuranceonline.blogspot.
They saved me 40 bucks a month check them out!
(877) 855-8111
You will need this info before you call
Pin-PMMX2 and Name-Metzing
Interesting video. In real life yuo can get a better deal than that.
carinsurancequote(dot)ws
I pay $55 for liability for my age is pretty good. Farmer bureau
Just go with whoever makes the funniest commercial, otherwise those companies are all wasting their time.
Where IS this amazingly awful unforgivible mistake?
Hmmm. I never said that the internet or the english “languege” (yet another typo that I don’t believe is LEET) is the property of America. When you put someone/something down, you look like even more of a jackass when you can’t use spell check. And I believe you did type your reply in english, no?
The internet is not the property of america and neither is the english languege. Leet speak, how ever IS! Now go fuck your self.
Teach foreigners how to spell and punctuate.
Great all around info!
Two things they should have discuss a little better is the Liability & Deductible.
Liability (Third Party Liability) coverage is probably the most important to get. It protects you if you cause damages to other people’s stuff. If you don’t have any and run over somebody….you’ll end up getting sued & financially ruined.
Deductible is the first amount of damages on your own vehicle not covered if you’re at fault (meaning you have to pay this yourself).
i dun hv a car but i think this will hlp in future
How to save america’s iconomy:
Step one – save money
step two – buy car
Stop that credit shyte
dont get mad, get glad!
im in the 14%
Actually I liked the looks of the car that was the example of paint vandalism.
well aren’t you special for being first
This got promoted fast, but nice video.
first arsefaces!