How do you get the best value?
When you start out, trying to get the best auto insurance rates looks a real challenge. There are so many companies and so many different problems to overcome. So here are a few simple pointers to make your life just that little bit easier.
What are the risks?
If you drive a family car around your city - commuting to work, taking the kids to school, driving down to the mall - you are probably a low risk driver. But if you drive a sports car several thousand miles a month, or your job requires you to drive around the state, your risk profile just went up. The more you drive, the greater the risk of an accident.
If your driving record is clean, your premium came down a few notches.
If you’ve got speeding tickets on your record, your premium just went up.
Are the replacement body parts for your car cheap or are they expensive imports? Where will your car be kept when not in use?
There are many factors that will change how the premium is calculated to reflect the risk of liability.
Can you get discounts?
Most insurance companies will offer an incentive if you buy more than one policy from them. This could be two separate car insurance policies, or a car and home insurance policy. There are also discounts if your car is fitted with air bags, some of the more secure anti-theft devices and so on. It pays you to ask!
