How to Reduce Car Insurance Payments

When it comes to automobile insurance, you can save a significant sum of money by asking the right questions and by taking certain steps.

Difficulty: Moderately Easy

Instructions

Things You'll Need:

• Yellow Pages
• Car Insurance
• Automotive Security Systerms

1. Insure all your vehicles with one company to take advantage of multi-car discounts.

2. Ask about multi-line discounts if you are also buying other lines of insurance.

3. Know the value of your vehicles. Drop collision and comprehensive coverage on older vehicles you can afford to replace.

4. Check before changing cars since rates on cars of equal value can vary.

5. Ask about discounts for air bags, anti-theft devices, anti-lock brakes and similar equipment.

6. Ask about discounts for drivers over 40 or 50, if applicable.

7. Select the highest collision and comprehensive deductibles you can afford.

8. Buy only coverage you do not already have from some other source such as an auto club.

9. Make an older, less valuable vehicle the primary transportation for younger drivers in your household.

10. Make sure younger drivers take driver's education courses.

11. Notify your agent if your younger driver makes a "B" average or above in school, and ask about a "Good Student Discount."

12. Ask about discounts for being "accident free" over a period of time.

Tips & Warnings

• Avoid getting tickets; you'll be eligible for the best possible insurance rate.
• Stay with a company that gives fair, friendly and economical service.
• Never lie about your driving record to reduce rates. Misrepresentation can invalidate a contract, and your insurance company can refuse to pay a loss.

[aaatexas]

on 7/6/2008 A great way to save on your car insurance is to switch to a member-owned company which will allow you to get lower rates. Once a member of AAA Texas you are eligible for their insurance products.

If you contact me for a new membership, I will:

-waive $20 admission fee on AAA membership
-include a FREE spouse/associate member (an additional $26 savings!)
-provide a FREE, no obligation, comprehensive insurance review (average AAA member saves over $350 a year on their car insurance!)

My contact information is below:

Paula Harold
AAA Texas
[e-mail]
1-800-222-8586 ext.5078

I'd love to answer any questions about the membership or insurance in general. Just send me an email!

[choicearizona]

on 2/8/2008 http://www.arizonaautohomelifeinsurance.com/builderarizonacc/Tucson/index.php

As an independent insurance agent I represent lots of carriers. I just recently saved myself $50 per month by switching my own car insurance to one of my other carriers. That's why independent agents are so great. At some point the general public is really going to understand that fact.

[michal0_01]

on 12/14/2006 www.usants.com/michael

[michal0_01]

on 12/14/2006 Good post!
You can find very useful and interesting informations at:
www.usants.com/michael

[michal0_01]

on 12/14/2006 Good post!
You can find very useful and interesting informations at:
www.usants.com/michael