By Robert Carl Strong
Article Source: http://EzineArticles.com/6895222
There are a lot of easy tricks that can save you hundreds of dollars on car insurance and get you even more coverage. There are thousands of different quotes, and it can be difficult to find the best but also most inexpensive one for you. First, if you are looking to save money, you should know what affects the price of car insurance the most and how to use that information to your advantage. The three biggest factors which affect everyone's premiums are the driver's age, history, and state they live in. Two other factors include the insurance deductible and amount of coverage the person wants. This article is going to explain every one of these factors and how to use them save money on car insurance.
First is the driver's age if the person is young which for most auto insurance companies is under 25 than their premiums are going to be high. If the driver is "inexperienced," they should consider trying to get signed up under their parent's insurance plan and get a discount by getting a family plan. Another thing that can make car insurance very expensive is if the driver has had an accident within the last five years. Auto insurance rates vary by states like Florida have higher premiums than other states because it is hot all year long, and more divers are on the road more often which results in more accidents.
The best way for you to control the price of your car insurance is through the "deductible." A deductible is a lump sum which you pay the Auto insurance company. The sum of money is the property of your insurance provider and if you get into an accident, they will use that money all the initial payments. The more you pay upfront in the "deductible" the less you will pay for car insurance (Monthly). Deductibles range from $100-2,000. You will have to pay more upfront, but this is a great way to get cheap auto insurance.
Coverage is a major concern with most drivers. However, some are just looking for the cheapest rate. The more coverage you want the more you will have to pay, there is a very important distinction that has to be made many drivers don't. Sure if you get a great deal on Auto insurance and your saving money, and you get into an accident, and you're not covered for that type of accident you're going to pay for it. Sometimes it can be a lot less expensive to protect yourself well with a higher priced auto insurance, because even the safest drivers get into car accidents.
Another thing is the type of car you drive the insurance companies know which brands are more likely to break down or get robbed. There are some car insurance companies that will provide a list of the cheapest cars to insure. Another thing many auto insurance companies take seriously is the education of a person someone who has a college degree will pay less for auto insurance than someone who does not. The first thing you should do is fill out several quotes and compare them to decide which one is best for you. Many Individuals stay with the company they start with so it is worth the time investment to actually get a great company from the start.
Article Source: http://EzineArticles.com/?expert=Robert_Carl_Strong
Article Source: http://EzineArticles.com/6895222
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