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How To Maximize Savings On Auto Insurance

We all like to save money, especially when it comes to auto insurance. As we all look for ways to trim the expenses in our budgets, one area that is often overlooked is auto insurance. After initially signing on with a carrier, people tend to get complacent, excusing any premium increases as a given. But if you view your car insurance as a fixed cost, it’s time to rethink that idea.  You should get car insurance quotes and compare prices periodically. Also, check our guide with tips on how to maximize savings on auto insurance.

  1. # auto-insurance-discountsChoose the right car. If you’re in the market for a new automobile, consider how the car you choose will affect your insurance rate before you sign on the dotted line. More expensive, souped-up gas guzzlers, such as large SUVs or high-performance vehicles, come with high insurance costs. How about a less-expensive sedan with fewer high-end options? You get a safe, reliable new car and you’ll save a bundle.
  1. Improve your credit score. Did you know that your good credit can also ensure lower insurance premiums? If your score is lacking, start boosting it now: Pay bills on time, as this accounts for 35 percent of your score, and shave off balances as steadily as you can.
  2. Raise those deductibles.This may seem like a no-brainer, but you have to understand the long-term effects before making the move. If you raise your deductible from $500 to $1,000 for certain coverages, you need to be sure you’ll have this extra $500 on hand in case there’s an accident or you need to file a claim. If not, your savings could be depleted.
  3. Shop your policy.All auto insurance companies are not alike, so investigate at least three before making your final choice. You can use online quotes to compare prices.
  4. Other efficient ways of action: Take a defensive-driving course, ask about good-driver discounts, and use mass transit occasionally so you rack up fewer miles on your vehicle.

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