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How to Lower Your Auto Insurance Rates


Let’s face it – auto insurance can be very costly. The good news is that you may be able to lower your annual payments by taking advantage of available discounts offered by insurance companies. Many drivers aren’t even aware of many of the discounts available to them.


For example, you will normally find more choices for auto insurance when you visit state and local bureaus or agencies rather than national brands. You should also remember that certain auto associations and clubs may have established a positive relationship with certain insurance providers. This means they can often offer you more competitive auto insurance rates. However, you will have to consider the cost of the fees to join any of these organizations.


When you shop around and begin your search for affordable car insurance, you should consider that insurance companies will review your driver history and credit rating when they quote you their rates. This is obviously not a problem if you have a clean driving record and high credit rating. On the other hand, you may end paying a lot more for auto insurance if you have a poor credit rating or have been involved in several car accidents.


Be sure to review the following factors that may save you money on your auto insurance policy:


Drivers with a clean driving record will often receive insurance discounts
Safe drivers are rewarded, whereas amassing traffic tickets will increase your insurance premiums
Elite and expensive vehicles will normally cost more to insure than common or used vehicles because replacements parts are more readily available and repairs are easier to perform
If you own a residence and have homeowners insurance with an insurance company, you will often pay les to purchase a car insurance policy from the same company
Your age will play a factor as younger drivers pay more for auto insurance because statistics reveal that they cause more accidents
Students who maintain high grades in school may receive a lower insurance rate
Your location will also determine your rate as drivers who live in a residence with a garage will normally pay a lower rate than drivers who must park on a street or in a parking lot
Each state has their own insurance rates based on current accident statistics
Rates are also determined by the use of your vehicle – you will pay more if you use your vehicle to commute a long distance to work rather than making only short or infrequent drives


Before you purchase auto insurance, be sure to investigate the organization or insurance company very carefully. In addition to reviewing the company’s policies and current rates, you should also consider how long the company has been in business, their customer service policies and their reputation. If you are ever involved in a car accident, you want to be sure you are dealing with a fair and reputable insurance company that will process your claim quickly and efficiently and provide you with proper customer service.


 











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