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How to Minimize Your Car Insurance Payments The Internet has increased the level of competition among insurance providers today. Since you can now shop at home in your pyjamas, comparing rates and coverage , these firms are more inclined to offer attractive deals. Of course, on top of buying a car insurance policy in this day and age, there are other things that can give you cheaper but still quality car insurance. Remember that insurance prices are all based on numbers or statistics, and that is why costs can vary wildly. Your age and driving experience, the make and model of your car, the safety features you’ve installed and even your neighborhood – all these impact how much you’ll end up paying for the coverage you seek. So prior to shopping for insurance, get a copy of your driving record. The way your credit rating influences your interest rate in your financing application, is the same way your insurance rate will be affected by your driving record. Look at your driving record and ensure that it is current and correct. Don’t allow an error to prevent you from getting the best rate possible.
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So yes, pulling down your car insurance costs can be a simple way of saving money. Below are five helpful tips:
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1. Secure your car. If your car has built-in security features, like an anti-theft system, or safety features, such as anti-lock brakes, you may qualify for cheaper premiums. These types of equipment make your car statistically less likely to get in an accident or be stolen. 2. Get a higher deductible. Higher deductible (what you must pay when making a claim) means lower premium. Deductibles can range from none to $1,500. 3. Learn defensive driving. Auto insurance companies may also offer discounts to drivers if they can successfully finish a safe driving course provided by an accredited institution. These courses are usually taken by seniors and young drivers, but anyone can benefit from them. 4. Clean up your garage. Just by parking your car in your garage instead of leaving it out in the street or in a driveway, you can automatically get a discount. Obviously, this will make your vehicle less likely to get in an accident or be stolen. 5. Compare a number of quotes. It’s always smart to have many quotes to compare side by side, allowing you to see which one is actually right for your budget and, of course, your needs. Just before you sign, scrutinize the policy to make sure it provides the full coverage you seek. Finally, note that your policy has to be in keeping with your state’s legal requirements, and also any additional requirements imposed by your auto loan financing company.