AUTO INSURANCE RATES

AUTO INSURANCE RATES
BY: SHER MATSEN
will vary depending on the insurance agency,
your driving record, and the type of insurance
YOU ARE LOOKING TO PURCHASE. I YOU ARE LOOKING
for affordable car insurance or truck insurance
then read on.

there are ways to reduce your premiums without
giving up coverage. one of the easiest things to
DO IS GET AUTO INSURANCE RATE QUOTES ONLINE.
this will allow you to comparative shop stress
free.

raising your deductibles is the easiest way to
reduce your rates. the higher the deductible,
THE LOWER THE PREMIUM WILL BE. THE DEDUCTIBLE IS
the portion you will have to pay in the event of
accident, before your insurance coverage steps
IN. IT'S IMPORTANT NOT TO CARRY A DEDUCTIBLE
that's more than what you are able to pay. your
insurance company will not honor its portion of
THE CLAIM UNTIL YOU'VE PAID YOUR DEDUCTIBLE.
however, the higher your deductible the lower
your premium cost will be, so you need to find a

always remember to ask your insurance broker for
any available discounts. quite often we forget
TO ASK AND THEY DON'T SEEM TO VOLUNTEER THE
information. a clean record on the current
policy for a certain period of time, having your
HOMEOWNER'S COVERAGE WITH THE SAME INSURER,
taking a defensive driving course, having an
accident free driving record, and having an
APPROVED ANTI-THEFT DEVICE WILL REDUCE YOUR AUTO
insurance rates.

THE TYPE OF CAR YOU DRIVE CAN ALSO REDUCE YOUR
rates. stay away from cars that have a high
class rating. rates vary among the different
MAKES AND MODELS OF VEHICLES. THE DIFFERENT
rates are based on the risk of accident, cost to
repair, higher theft rates for a particular
MODEL AND REPLACEMENT COSTS SUCH AS WITH A NEW
vehicle. so be sure your vehicle isn't going to
be in a category that increases your rates too
MUCH.

a safe driving record consisting of no accidents
AND NO TRAFFIC VIOLATIONS WILL GET YOU THE MOST
substantial discount. most insurance companies
are very good at recognizing good driving
HABITS. THESE ARE THE DRIVERS THEY WANT TO
insure because their risk is much lower.

IF THE CAR IS OLD AND NOT VERY VALUABLE,
comprehensive insurance is probably not worth
buying as it can quickly add up to more than
YOU'D EVER RECEIVE IN THE EVENT OF AN ACCIDENT.
you can save up to 20% by eliminating collision
insurance. you may want to opt not to carry
COLLISION INSURANCE AS WELL WHICH CAN SAVE YOU
and additional 20%.

CHECK AROUND TO MAKE SURE YOU ARE GETTING THE
best auto rates you can. online auto insurance
shopping has taken the guess work out of buying
INSURANCE AND YOU CAN VERY QUICKLY SEE IF YOU
are being hosed. so if your insurance is coming
due now is the time to start shopping!.

about the author:
sher from the auto insurance center has been
SERVING CUSTOMERS FOR OVER 20 YEARS. PLEASE
visit us at http://www.all-auto-insurance.com/
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