I'm shopping for a new car and want to compare the car insurance prices to get the cheapest price. How can I look that up and how do I compare the car insurance rates." Here I have put together a few points that will help you procure a cheap car Insurance.
- Model of the car matters
The vehicle insurance costs can vary a lot depending on the model of the car, safety, the theft record of the area where you reside and also the cost of repair.
- Your driving record
Another main factor is your driving record. If you have not incurred any penalty for over-speed or drink and drive, there is possibility that you will be availed of cheap insurance rates. Here the age of the driver is taken into account.
- Credits plays a vital role
The credit scores also have a big impact on your insurance premium. If your credit scores are poor, you would end up paying high amount as your insurance.
- One annual premium if better than monthly premium
Instead of paying the automotive insurance premium on monthly basis, pay your auto insurance on an annual basis. The reason is when you pay it monthly you end up paying more cumulatively.
- Buy from the same company if you have multiple cars
If you have more than one car, buy the premium from the same company and avail a good discount. This is a good way to get cheap insurance.
- Use online insurance comparison tools
Compare the prices of the insurance online before you purchase an automotive insurance. You can find and also compare the car insurance quotes online. This will save your time and money. Online car insurance comparison tools will give you a customized automotive policy that fits your need.
- Increase your deductible on your car insurance
A deductible is the amount you are willing to shell out from your own pocket in case of accident or theft before the insurer pays you.If your deductibles are high you can save hundreds of dollars a year on your vehicle insurance.
To sum up, do a bit of research before you zero down on an insurance company. This will help you to get better premium rates. If you are planning to purchase a pre-owned car and you want cheap car insurance, then you would have to get a good mechanic from a reputed garage to give a report regarding the condition of the car before approaching a automotive insurance company.
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Article Source: http://EzineArticles.com/?expert=Maya_Pillai
Article Source: http://EzineArticles.com/7464513
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