First, compare different insurance companies
Different insurance companies have different insurance quotes, so shop around, compare different insurance companies carefully, you will learn and return.Ask three different insurance companies offer, you can make a phone call to ask directly, also can obtain information from Internet.Your state of the state insurance association all major insurance companies can also provide you with price information.
Buy insurance to protect the economic interests of you and give you peace of mind, so choose a very important financial situation stable insurance company.Can you check by evaluating the company insurance company's financial situation, such as A.M. Best assess company (http://www.ambest.com) and the Standard & Poor's ratings (Standard & Poor's, http://www.standardandpoors.com/), you can also refer to consumer magazine.
Get quotes from different insurance companies.Some insurance companies through the broker dealer sales of insurance, the agent and the agent of the insurance companies use the same name.Some insurance companies through an independent sales agent, the independent agent for insurance companies at the same time sales policy.Some insurance companies do not rely on any agent, they directly by phone or Internet to sell insurance to consumers.
Don't decide to buy what kind of insurance alone.Can you recommend to friends and relatives good.Contact your state's state insurance association, to find out the consumer complaint information of different insurance companies.Pick a good agent business or insurance company managers, they can answer all your questions patiently.You can also use the list attached to the end of this article, in order to help you compare different insurers offer the same insurance projects.
Second, before buying a car, compare different insurance costsBefore buying a new car or used car, you should carefully investigate the different kinds of insurance and expenses.Car insurance is generally based on the vehicle sign price becomes price), repair cost, the car's safety record and the possibility of theft.Lots of insurance chamber of commerce for has the possibility to reduce damage and theft of the characteristics of the car a certain discount.Such features include daytime running lights and safety device against theft.If you want to get more information about the vehicle performance, you can query the Insurance Institute for Highway Safety (Insurance Institute for Highway Safety), the website is: www.iihs.org
Third, improve the deductible insurance (Deductibles)Can deduct insurance payment is for traffic accident insurance must pay the amount before.By demanding higher deductible insurance, you can reduce a large number of insurance costs.The deductible insurance, for example, increased from $200 to $500, your car collision and comprehensive insurance fee can reduce 15% ~ 30%. If can deduct insurance up to $1000, your insurance cost will save 40% or more.However, decided to choose high deductible insurance before, you must make sure that you will be able to set aside enough money to pay it in case of an accident.
Fourth, reduce the old car insurance coverageCareful consideration for used car collision insurance (dropping a collision) or comprehensive insurance (comprehensive coverages).If the value of your old car less than ten times that of the insurance premium, comprehensive insurance may not be economical.Car dealers and Banks will assess the value of your car.Or you can surf the Internet access to Kelley Blue Book (Kelley Blue Book 's), the url is http://www.kbb.com.Before the decision to sign a new contract, you should review your current insurance coverage is need to make a change.Fifth, in the same insurance company to buy houses and carsIf you buy two or more insurance, and many insurers may provide certain price for you.If you buy more than one and the same insurance car insurance, your insurance premium can be reduced.Some insurers will also reduce the insurance premium of long-term regular customers.But shopping around is still very necessary.From different insurance companies to buy insurance, compare different discounts information, you can save a lot of money.
Six, keep a good credit recordTo establish a reliable credit history is beneficial to lower your insurance costs.Insurers increasingly use customer credit record to adjust car insurance premiums.In order to protect your credit rating, you need to pay your bills on time, avoid credit card spending more than you actually need to keep the balance of the credit card debt as low as possible.Regularly check your credit history, once discovered immediately correct wrong, and retain the accuracy of the credit.
Seven, take advantage of low mileage discountSome insurance companies will give a year driving less than average person offer some discount of driving mileage.This low mileage discount applies to the partnership to drive to work.
Eight, advisory group insuranceSome insurance companies will give collective insurance price drivers by the insurance plan.The group insurance can be through the company employer to buy, or professional, business, or, by collective buying such as alumni groups.Ask your employer, or whether you join the group or club you have to enjoy the possibility of a collective insurance.
Nine, get other discountThe insurance company will give those years without accident insurance customers discount or driving violation record.If you attend a Defensive driving course (Defensive driving course), you may also can get kickbacks from the insurance company.If you are a young driver, and drive is to have good grades, or participate in special driving courses, or you are away from home without a car college student, you may qualify for a low price of insurance.
No comments:
Post a Comment