Most states mandate auto insurance be carried on your vehicle at all times. Each state sets forth different policies and amounts that must be carried, and failure to maintain the minimum amounts of auto insurance can result in severe consequences, including the suspension of your driving privileges, large fines, and possible jail time. It is crucial to ensure that you have auto insurance at all times.
Auto insurance rates can be expensive! Many things can determine how much you will pay for insurance, such as age, type of vehicle being insured, driving record, and sometimes even your credit score! Despite these factors, there are still plenty of ways to make the most out of car insurance and find a great deal. Here are some tips to help you find the best deals on auto insurance!
It is recommended that you obtain at least 3 auto insurance quotes from 3 different agencies. Of course, the more quotes you have, the better the chances you will have of getting the lowest possible rate. Using an online source such as www.esurance.com can offer multiple quotes from the top companies, and it takes just a few short minutes to do.
Before you begin the process of finding auto insurance quotes, know your stuff. Research the state minimum coverage required by your state, as well as any additional policies you would like to add in addition to the required coverage. A great online source for this information is www.dmv.org. Here you can read a broad range of articles and information pertaining to state requirements, types, of insurance, and even find quotes in your area!
Ask for Discounts
Auto insurance is a highly competitive business. As companies compete for your business, many perks and discounts will be offered. Those discounts include staying accident free and safe driver discounts. Many other discounts are available that the insurance company doesn’t tell you about. Ask the company you are dealing with the additional discounts they offer. Popular types of discounts offered by auto insurance companies include multiple policy discounts, increasing your deductible, paying your premiums or starting a policy online or by phone, and paying your premiums annually.
Skip the Extras
Many auto insurance companies want to sell you as much insurance as possible, however, no matter what type of deal an agent promises for adding things such as glass assistance, it isn’t a bargain if you do not need it or will not use it.
Keep It Safe
One of the number one reasons for a large auto insurance premium is your driving history. Not only do traffic infractions result in huge fines and possible legal fees and jail time, the more infractions on the record, the more money you will spend. Some drivers may even be required to obtain SR-22 insurance on their vehicle! Drive legal, obey all traffic laws, and keep your auto insurance rates low.