Money Saved By Shopping Auto Insurance Using These Methods

1

• In the world of auto insurance, it is important
  to find the best policy for your vehicle while
  not wasting or losing money choosing the wrong
  one. That is where smart auto insurance research
  comes in handy. These tips can help you find the
  auto policy that can work for you.

2

• Estimate
• Be aware of your annual mileage when speaking
  with an agent. You'll be amazed at how much of a
  difference there is between a person who rarely
  drives as to someone who commutes daily over long
  distances. So before you go speak with a
  representative, make sure you have an estimate of
  how much you drive per year.

3

• An important auto insurance tip is to always
  review your driving record prior to seeking price
  quotes on a new policy. By knowing how many
  tickets and points are on your state record at
  any given time, you will be able estimate the
  impact they are likely to have on the cost of
  your coverage.
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4

• If you can decrease your annual mileage, you can
  expect a decrease in cost for your automobile
  policy. Insurance companies normally estimate
  that you will drive around 12,000 miles per year.
  If you can lower this number, or are someone who
  does not drive that far that often, you may see a
  reduction. Be sure that you are honest about your
  miles since the insurance company may want proof.

5

• Make sure that you do some comparison-shopping
  before you commit to an auto insurance company.
  Different companies use different calculations to
  estimate your rates. Some will give more weight
  to certain personal factors than others, and
  shopping a gamut of insurance companies is the
  only way to ensure getting the best deal.
• Go directly to the websites of insurance
  companies such as GEICO or Allstate to get quotes
  for auto insurance coverage. These companies are
  not usually represented by the online insurance
  aggregator sites, but you can still request
  quotes online for no charge and have an estimate
  for auto insurance coverage in about 10 minutes.

6

• Car Insurance
• Almost every car insurance company is charging
  you according to the risk you pose, so a great
  way to save money is to come across as a low-risk
  driver to the insurer. One way in which you can
  lower your risk is to attach a GPS device to your
  vehicle. These anti-theft devices save the
  insurance companies thousands if your car is
  stolen, and the savings are passed on to you.
• To make sure you are getting the best deal on
  your car insurance, get quotes from at least
  three different insurers. You can choose to deal
  with individual insurance companies or you can go
  to an insurance broker, who can represent several
  companies and get you quotes from each one.

7

• If you are putting less than 20 down on your
  car, make sure to look into getting GAP car
  insurance. Should you have an accident while you
  are still in the first year or two of payments,
  you may end up owing the bank more money than you
  would receive in a claim.
• When you are looking for car insurance, try to
  purchase it online. Many car insurance companies
  tend to offer a reduction by filling out an
  application online. This is because most of the
  application process this way is automated so they
  do not have to spend money on processing it.

8

• Avoid auto insurance extremes. You can definitely
  be hurt by a lack of adequate insurance. Even
  more costly is being over-insured. Many people
  pay for coverage they can not ever possibly need.
  The result can be a huge drain on your budget.
  Evaluate your car insurance coverage and rates
  annually.
• As you can see from the previous list of tips,
  buying auto insurance can really be a bit of a
  daunting task, but it's really not that bad. It
  takes a lot of research, a lot of asking
  questions, and some common sense, but it is all
  worth it to have a good auto insurance.