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By: Reina Randers

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Saturday, 25-Aug-2012 06:27 Email | Share | | Bookmark
Save On Auto Insurance

There are numerous ways to find cheap auto insurance, but for the most part, it involves commitment from the individual to finding the right deal and keeping their rates down by employing sensible decisions.
Choosing a Car
When choosing a car, it is important to consider not only the cost of the car itself, but how much it will cost to insure it. Faster cars tend to carry higher premiums because the insurance companies assume that people will be driving faster in these vehicles and therefore be more likely to be involved in some kind of collision. This makes them a higher risk.
Before buying a car it is a good idea to have a shortlist of vehicles and enter the details for each one into a comparison website. This will give the buyer a good indication of which cars will be more or less expensive to insure. This may well be a deciding factor on which car is actually bought at the end of the day.
Drive Responsibly
The more reckless a person is whilst driving, the more risk they are to an insurance company. Those who incur speeding tickets or DUIs will have higher premium rates than those who avoid them. Similarly, those who go without claiming anything on their insurance for a year will be able to look forward to cheaper rates with their renewal.
One of the simplest ways to obtain a discount on car insurance is to pay for the year upfront. Many companies will offer 12 months for the price of 11 and so forth.
However, if a person’s financial circumstances do not allow this, then it is important to keep up with monthly payments. One missed payment will incur charges and often has a knock-on effect throughout the rest of the year, often resulting in much higher premiums. This is another reason that the policy holder needs to shop around for the best deal in order to be confident that they are not paying a sum which is beyond their financial means.
Once a quote is given by a company and the policy holder finds it agreeable, many people simply sign up there and then. It is possible, however, to receive further discounts. Discounts can often be given for a variety of reasons such as:
• The policy holder is a student
• They have not made a claim on the insurance for a number of years
• They may only be using low mileage
• They may have multiple vehicles and policies with same company
• They may have fitted new safety devices
• They may have fitted a new anti-theft system
• They may have moved to a property and now have a secure off-road place to park the vehicle
Many of these details will be submitted on a form before a quote is given and so any discount should show up automatically. Yet there is always a chance that by simply asking, further discounts could be had.
Compare Multiple Cheap Auto Insurance Quotes with One Fast and Easy Online Process at: Save up to $500 a Year on Auto Insurance Coverage!


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