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Saturday, November 17, 2012

Motor Insurance

By David J Ringerton


Car accidents happen. Some are big, some are minor. You can try to avoid them by driving safely but that does not guarantee that the drivers around you will do the same. This is why purchasing auto insurance is vital to protecting you and your finances. Below are tips to help you purchase auto insurance.

When trying to get affordable auto insurance, keep in mind your state's minimum liability coverage requirements. You need to know what minimums to obtain so that you can get a policy that matches these particular minimums. You can find a list of your state's minimums at your state's insurance commissioner's website.

The best way to save money on your insurance is to never get into an accident. If you take good care of your car, and are careful when you drive, you will never have to file a claim. Your insurance company will reward you with a discount that can save you money on your premiums.

Even if you need money badly, you should never manufacture a fake claim or make the damages appear worst than they are. Your insurance company will probably notice that you are trying to cheat them. You could get in trouble and your premium could go up because of this. Keep in mind that you are dealing with professionals.

Find out if your pet is covered by your auto insurance if your pet is in the car with you during an accident. Some insurers provide payment toward veterinarian care for injuries, or payment if the pet is killed while in your car during an accident, or a vehicle theft. The pet coverage may be automatically included under your collision coverage.

Having more vehicles than one needs is a way to pay more than one needs to be paying for insurance. By selling or storing cars or anything else that one does not use often they will no longer have to pay insurance on that vehicle. It will save them money off their insurance.

If you are shopping for auto insurance be sure to ask the companies you look at about discounts for safe drivers. If you have a good driving record you can often save a lot of money on your policy. Some even give you better discounts as time goes on and you continue to have a good driving record.

Are you a student under the age of twenty five with above average grades? If so, you may be able to get a discount on your auto insurance, this discount is available from many companies. You may have to provide a copy of your latest transcripts from school as proof, but for the money off your insurance cost it is well worth your time.

Look for new automobile insurance at least twice each year. Your driving situation is constantly changing and insurance companies will look at you differently as a result. Your rates will rise and fall depending on your history, so comparing rates from different companies will ensure that you are paying the best rate for your auto insurance.




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