Auto Insurance Tips For Saving Money This Winter

In today's world, auto insurance is an absolute necessity.
But, while you might not be able to escape buying insurance
on your vehicle, there are ways to lessen the financial
pinch. Here are some tips for striking the best deal on
auto insurance, along with some recommendations for things
to look for when buying insurance.

1. In order to obtain auto insurance at bargain basement
rates, it is absolutely imperative that you do some
comparison shopping. Experts recommend that you obtain at
least three insurance quotes before making a final
decision. A number of companies have information on the
Internet that can help you in making your choice. As an
alternative, your state insurance department can offer
comparisons of prices charged by various insurers.

2. You can seek higher deductibles in order to reduce your
costs. For example, if you raise your deductible from $200
to $500, you can lower your collision and comprehensive
coverage by as much as 30 percent. Another option is to
eliminate collision and comprehensive coverage altogether,
if your car is an older model. For instance, if your
automobile is worth less than ten times the premium, the
additional coverage may not be worth it. In order to find
out the value of your car, consult Kelley's Blue Book at
www.kbb.com.

3. Be familiar with discounts at your current auto
insurance company. For instance, you can get a discount if
You can purchase auto insurance from the same company that
provides your homeowners insurance. Also, if you have more
than one car insured with the same company, you could
receive an additional break. In addition, if you are a
customer of long standing, your insurance company may
reduce your rates.

4. Keeping your credit record in tip-top shape could also
reduce your insurance expenses. This means you must try
whenever possible to pay your bills on time, to reduce your
outstanding credit balances, and apply for only as much
credit as you need.

5. You might be able to obtain a fee reduction for driving
a lower than average number of miles each year. Carpooling
to your place of employment could also result in insurance
cost savings.

While price is important, it is only one consideration when
selecting an insurance carrier. When purchasing auto
insurance, you should pay close attention to the terms of
the policy, the method of payment required, and the
professionalism of the agent. It is perhaps equally
important to look for a company that you feel you can
trust…that will handle your claim quickly and efficiently.

Contact Mark Drew for more insights into this topic at
webmaster@auto-insurance-spot.com. You can also find a
directory of auto insurance companies at:
http://www.auto-insurance-spot.com.

About Auto Insurance Spot:

http://www.auto-insurance-spot.com contains a directory of
auto insurance companies across the United States.