Get The Most Out Of Your Auto Insurance

Car insurance is just as much a vital part of the driving experience as your pedals and your steering wheel. You cannot own a car without insurance. Since you have to buy it, why not invest a little time in learning how to get more for the money you spend on car insurance?

Call your auto insurance company and ask for a comprehensive list of all of the discounts they offer. Go down the list and determine if you are getting as many of them as you can. For example, you might be able to save a significant amount by taking a free defensive driving course or by reporting a co-habiting partner.

Find out all of the available discounts that your insurance provider offers. There may be some discounts available that you did not know about when you opened your policy. You may have to take a driver’s course of some kind but it will increase your driving skills and reduce your premiums.

If your auto insurance policy comes with a number of minor extras, see if you can drop any that you won’t need to save some money. Talk to your insurance agent and go over each of these extras to see which you really want to keep and which are just costing you money each month.

It is important that you keep your car safe from automobile thieves in order to keep your car insurance rates low. If your car gets stolen (especially more than once), insurance companies will consider your car to be at high risk, thus the amount of your insurance premium will greatly increase.

In general, you should add a teenage driver to your existing auto policy, unless your cars are very expensive to insure. In that case, it might be more cost-effective to purchase an inexpensive car and a separate policy for your teen. Be sure to look at all of your options before insuring your new driver.

If you severely damage your vehicle or total it, the insurance company will offer you an amount they think your vehicle is worth. If you don’t agree with the value they give you, get quotes from different auto dealers and prove the value of your car, to make sure you are getting the right amount.

Although, it can be good to have all your insurance in one place, you don’t have to be slavishly loyal to your insurance agent. If you can get a better deal on car insurance from a company other than the one that carries your homeowners policy, by all means, change companies!

If you want to avoid paying a high premium, don’t drive a flashy car. Sports cars and other high performance vehicles, often have premiums that are two or three times larger than that of a standard car. You should also research commonly stolen vehicles and be sure to avoid them. Most insurance companies will charge significantly more to insure these types of cars.

You may well view car insurance as a necessary evil. Hopefully, though, this article has given you a few ideas on how to ameliorate the evilness of auto insurance. Since you have to purchase car insurance, why not expend the extra effort to find the most economical and effective coverage you can get?