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Advice To Help You Get More Auto Coverage For Less Money

Author: Saffron Ricardo  //  Category: Car Insurance

Finding the right auto insurance policy can be a nightmare. With so many different options and so many ways to reduce or increase the cost to you, it can take a seasoned expert to figure out exactly what you need. Here are some pointers to help you find the coverage that is right for you.

If you want to get cheap auto insurance rates as a brand new driver, one of the things that you can do is to take a pass plus. Some insurance companies can give up to 25% on discount if they know that you passed your test without any claims. This could greatly lower your insurance coverage.

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.

Make sure that you get any discounts to your premium that you are entitled to. Discounts may be available if your vehicle and your home are insured with the same insurance company. Also, people who have passed a defensive-driving course or people who don’t smoke or drink get discounts often.

If your insurance contacts you about an increase in your premium, find out if it is justified or not. A practice known as data mining is used by certain unethical companies: they refer to a consulting firm that will create fake data that would justify an increased premium. If you catch your insurance company doing this, switch immediately to another one.

If you are thinking about purchasing a new vehicle, you should look for a large vehicle. If you buy a van or a truck, chances are damages will not be too bad if you get into an accident. Most insurance companies know this, and offer relatively low rates for these types of vehicles.

Look for an insurance that offers an accident forgiveness option. If you get into an accident, your premium will not go up. Accident forgiveness works in certain situations: make sure you qualify for it before requesting it. Usually, you can get accident forgiveness if you have a good driving record.

A great tip to make sure your auto insurance stays as low as possible is to ensure your credit bureau report is as accurate as it can be. If this report is inaccurate, it could paint a bad picture of you, which will make your premiums higher than they could potentially be.

When it comes to auto insurance and elderly drivers, it is important to check sight and hearing regularly, and to get a full checkup by your doctor annually. If you can show your insurance company that you are in good health, and that you have taken any necessary corrective measures (e.g. a hearing aid), not only will they continue to insure you, they may even give you a reduced rate.

As was stated at the beginning of the article, finding a policy with great coverage that is still affordable can seem like an insurmountable feat. However, when you take the advice given in the article you just read, you will find that it does not have to be such a painful process.

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