Automobile Insurance premiums are rising and you need to shop around to make sure you are getting the best deal. You want to make sure you have the coverage you need while paying the least amount possible in premiums. Before comparison shopping make sure you know all the discounts you are eligible for.
But, the best-kept secret is in the student having good grades in high school and college; a simple B average will yield a substantial discount on insurance rates for the young drivers in your house. Following the three steps below will assure that you will save on premiums and make the right future choices when it comes to auto insurance.
But at least you can study trends of different companies in your area from an unbiased source, making useful comparisons that can save you time when you?re calling around. Even if your state doesn?t have a site, the NAIC website contains consumer guides with valuable information to which you may want to refer during your search.
Now that you have the information from the NAIC, it is time to shop around for coverage. When working with an insurance agent, requesting quotes online, or requesting quotes by phone, be honest with the provider. You need to give accurate information about your personal credit history, your vehicle, your driving record, and the coverage you need. Because an automobile insurance policy covers several different types of coverage, be sure you know the differences and what coverage you are getting in each category.
When shopping around for the best coverage, it serves your best interest to be honest with the companies you call or visit online about your personal situation, your insurance needs, and your driving history. This will help avoid misquotes and you will know exactly how much coverage is being offered for the premium amount quoted. Remember that your auto insurance is actually a group of several different types of coverage. Ask how much coverage the quoted premium provides to you and how much the coverage is worth. Make sure you?re comparing similar plans, and know what?s required by law in your state.
Finally, it?s time to talk discounts. Once you?ve narrowed your choices, compare the discounts offered from one insurer to another. Get a quote on the final premium amount after all discounts are taken. One insurer may offer you two discounts good for 5% each while another may offer you only one discount.
The information offered by the NAIC combined with shopping around for the best coverage at the lowest premium price making sure you received every discount available are the steps that will lead to peace of mind in knowing that you got the best auto insurance deal available.
Author Resource:
Graham McKenzie is the content syndication coordinator for Carinsurancesa.co.za , a leading South African car insurance portal.
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