A Few Car Insurance Tips To Lower Your Rates
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Posted On :
Nov-13-2011
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Article Word Count :
501
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In order to be able to drive a car legally on the road, you will need to have car insurance. However, this is not always cheap and your final rate depends on many factors.
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Many people dream of buying their own vehicle and others dream of lowering their insurance rates. In this article we will be looking at a few car insurance tips that can help both groups of drivers get the best deal possible.
One of the first methods that we will look at is research. The more you research, the better your chance of lowering your rates and getting the best policy. You should never buy a policy without checking other companies, and the internet has actually made this easier. The advent of online comparison sites can help you to see what other companies offer and the exact prices of each policy.
In addition to seeing what other companies have to offer, you can even use this as leverage to negotiate even lower prices. There are also many sites which offer consumer reviews on this topic so you can learn which companies pay out and which ones do not honour their claims. Once you have decided on a company, you should check to see if they offer a discount for signing up online. Most companies offer this and can give you as much as 10% off your policy.
The next tip we will look at that will help you to pay less every year is to simply drive less. The less you drive your car, the lower your mileage will be. This can help you to qualify for a lower rate, so make sure to discuss this with your agent.
If you are a relatively new or new driver, then you will have high rates for a couple of years. This is expected because most new drivers present significant risks. They are much more likely to cause or be involved in an accident and make more claims. Therefore, if you want to reduce how much you pay, you need to make sure not to make any claims for the first year or two of driving.
If you are a new driver and have not bought your car as yet, then you might want to reconsider what type of vehicle you purchase. The size of the engine can drastically affect how much you pay on your policy, and if this is a serious issue, then you should buy a car with a smaller, less powerful engine.
One last tip that will help you to keep your rates low is to resist the urge to modify your vehicle. Note that not all modifications will cause your rates to raise, however, you should first check with your agent before installing it. This can be especially expensive if you're a young driver, so make sure not to modify if you want to have lower rates.
In conclusion, those were just a couple of car insurance tips that can enable you to have a much lower premium. Owning a vehicle is definitely not cheap, however, you can lower your costs to a manageable level.
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Article Source :
http://www.articleseen.com/Article_A Few Car Insurance Tips To Lower Your Rates _103593.aspx
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Author Resource :
I have more reviews, tips and information about car insurance quotes at car-insurance-tips.com.
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Keywords :
car insurance tips, car insurance, business,
Category :
Finance
:
Insurance
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