If you have surfed the internet, looking for an auto insurance policy, you are certain to have already read some articles about how to save money on coverage. The problem with many of these articles is in two areas.
Some advice would have you sacrifice coverage which will actually cost you more in the long run.
Most of these articles have the same worn out tips which have not been updated lately, though many things have changed about the way insurers market their products.
Be Wary Of Sacrificing Coverage
If you cut your maximum coverage or cut out some coverage, you put yourself at a risk if you do have to make a claim. Lots of agents will advise drivers of older cars to cut their insurance policy down to legally mandated liability coverage. But what if you do have an accident, and you are responsible for the claim? Can you really afford to repair or replace your car? A few dollars a month may be a small price to pay to make sure that your claims will be covered if you need to make a claim.
Ask Your Local Body Shop Who They Like
If you have a Best Auto Body Shop in St. Louis, wander in and ask them which insurers they like to deal with. This is a great way to find the auto insurance companies who are easiest to work with and most generous with claims! If you don’t have a local body shop, ask your friends or coworkers which companies they like. People in your own local area, who have had experience with different companies, are a great resource.
Top companies have national offices, but they actually do their work on a local level. So the experience of an insured person in Maine can be very different than that of an insured person in Texas or South Dakota. Local information can really help you.
Compare Auto Insurance Premiums and Best Auto Body Shop in St. Louis
Premium rates will also be local. Your state, city, and even zip code will matter. That is because insurers track claims statistics by area, and they set their prices accordingly. A driver in a busy city, with more risk of accidents and thefts, will be likely to pay more than a driver in a quiet rural area. Repair costs will also affect rates, and again, a downtown NYC repair shop will probably cost more than a small town garage. You need to find the premiums for your own area, and that is why most quote forms start out by asking you what your zip code is.
Again, insurers track lots of data about the types of claims they pay. If they believe that some unique details about an insured person will prevent claims, they are likely to offer a discount.
Here are some common car insurance discounts that you may be able to take advantage of with some insurers.
Drivers Education or Drivers Safety Classes
Safety Features or Anti-theft Devices on a Car
Multiple Policy Discounts like Home and Car Discounts
Safer Cars to Insure
A Good Credit Report
Now do not assume that every insurer will have the same rates or discounts. It is important to shop around so you can find the best insurance for you.
We want to make it easy and simple for you to find top quality coverage while saving money. Find Cheap Car Insurance with our safe, fast, and free competitive quote forms.