Author: Barbara Dearingbr
Source: ezinearticles.combr
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Shopping for car insurance quotes has become infinitely easier over the past few years. These days, it only takes a moment to fill out one online application and instantly receive competing quotes from multiple companies. It sure beats the days of shopping with the Yellow Pages and a telephone! But before you fire up your favorite browser and start shopping for car insurance, there are ten tips you want to keep in mind. Some are easy, some a bit harder, but all are designed to help you get the lowest possible car insurance rates.

1. Pull a copy of your credit report. Did you know that some insurance companies use your credit rating as one of the ways of determining your insurance premium? They apparently believe that responsible bill payers also make for responsible drivers. So pay those bills on time, or take a few months to clean up your credit before shopping for car insurance quotes.

2. Park your car in a garage. Cars kept in a garage are less likely to be stolen or vandalized. Makes sense, doesnt it? The insurance companies think so.

3. Start taking the bus to work. By parking your car in a garage, and then leaving it there, you may be able to reduce your miles driven to less than 7,500 annually. You may then qualify for a low-mileage discount on your insurance. So think green, save green.

4. Trade in the red sports car for a gray sedan.Did you know that the Highway Loss Data Institute keeps statistics on the makes and models of cars that are involved in accidents? Your insurance company will most likely apply this data to the make and model of your vehicle. It your car is determined to be more likely to be in an accident, more likely to be vandalized or more expensive to repair than the average vehicle, you can expect to pay a higher insurance premium.

5. Load up on safety features. Once you have thatgray sedan, make sure you have installed every possible safety feature. As the number of safety features goes up, your insurance rate goes down. So install those anti-lock brakes, airbags and automatic seatbelts. You will increase the safety of yourself and your passengers while shrinking your insurance bill.

6. Dont be shy. This is the time to ask about any and all discounts for which you might qualify. Do you participate in a car pool to work? Make it known on your application. Do you have more than one vehicle to insure? A boat? A motorcycle? Be sure to ask for a multiple vehicle discount. Own a house? The insurance companies will love to give you a quote for homeowners insurance along with your car insurance quote — at a discount, of course.

7. Raise your deductible. Yes, you have heard it before, but the higher your deductible, the lower your insurance premiums. If you have not yet bitten the bullet and done it, now is the time to jack that deductible to nosebleed heights. Even if you have to make an insurance claim and pay it, the higher deductible is still likely to save you money over the course of several years.

8. Dont let your policy expire. Once your policy has lapsed, you will lose your discount for continuous coverage. If you are planning to quit your current insurer, make sure you maintain coverage while you are shopping around.

9. Pay your entire bill upfront. While it can take a bite out of your bank account to pay a full year of premiums upfront, it will save you money to do so. When you make monthly insurance payments, you are effectively asking your insurance company to finance your premiums, and you can expect to pay finance fees each and every month.

10. Move. Yes, it is a drastic suggestion, but one that can have a dramatic effect on your car insurance rates. Living in the city increases the odds of accidents, vandalism and theft of your vehicle. The insurance companies know this and charge accordingly. So this might just be the time to de-stress your life and move to the country, increasing your quality of living while decreasing your cost of living.

After you have applied as many of these tips as possible, you will be ready to start shopping for car insurance quotes. You can do yourself one last favor by ditching the telephone and doing your shopping online.

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pBarb Dearing is a freelance writer, specializing in topics that help consumers save money in a variety of areas. She recommends the following website for consumers seeking multiple car insurance quotes: a target=_new href=http://www.shop-car-insurance.com rel=nofollowhttp://www.shop-car-insurance.com/a/pbr
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Author: Greg Haehl -
Source: articleage.com

We have all heard the saying about no pain and no gain. That can also be true when it comes to finding low cost car insurance. The average insurance buyer avoids most of the responsibility when it comes to purchasing car insurance. They rely heavily on the insurance professional or the insurance company. Sometimes that approach works out fine but there is a decided advantage to the buyer who is better informed when shopping for car insurance. Here are some of the things that you need to consider when shopping for car insurance.

Do I want an Agent? – The agency system has been around a long time. The value of a good insurance professional is very high to a lot of people. They like having someone to counsel them on insurance. They don’t like dealing over the telephone or the internet.

Insurance Company – Once you decide on whether you want an agent or not then you can narrow down the field of insurance companies. You might want to select some familiar national names along with an independent agency.

All in One – There is a good chance that you will find lower cost car insurance by combining all of your insurance with one company. The multiple policy discounts along with the convenience makes it worth you time to compare your auto, home and even your life insurance.

Insurance Coverage – The shopping experience is a good time to get creative and ask a lot of questions about discounts and vehicle types. Question the need for coverage and buy what is most important to you.

Self Insuring – The days of low deductibles are slowly vanishing. Low deductibles are expensive and not worth the out of pocket expense. Higher deductibles means you are self-insuring for the first $500 to $1000 on collision and or comprehensive. This will save you thousands of dollars over the lifetime of the policy.

Please see our recommended source for insurance quotes of all types. It is a site dedicated to quotes and is powered by Insure Me. Insure Me is the leading internet insurance quote provider. They are a broker of many insurance companies to give you the lowest rates.

Author: domnik
Source: articlesbase.com

Car insurance.