In 2012, premiums are likely to continue rising, but it's not all doom and gloom situation. Here's the time to consider some factors to lower car insurance premiums. So that insurer may be able to take huge advantages from his/her insurance bill with a minimal amount of effort.
Ask for Higher Deductibles:
Higher deductibles could reduce your collision cost along with comprehensive coverage up to 30 percent. So, fix the amount to spend and then adjust deductibles.
Higher deductibles could reduce your collision cost along with comprehensive coverage up to 30 percent. So, fix the amount to spend and then adjust deductibles.
Decrease Coverage on Older Vehicles:
Dropping collision or/and comprehensive coverage on older cars with a minimal market value is not required.
Dropping collision or/and comprehensive coverage on older cars with a minimal market value is not required.
Say NO to Duplicating Medical Coverage:
People who have good health with life and disability insurance, prefer to purchase the minimum personal injury protection only.
People who have good health with life and disability insurance, prefer to purchase the minimum personal injury protection only.
Car Model:
Cost of expensive vehicle's repair is high and hence, it's more expensive to secure a car known for not having the greatest safety record. Such vehicle is likely to be the eye-candy for thieves.
Cost of expensive vehicle's repair is high and hence, it's more expensive to secure a car known for not having the greatest safety record. Such vehicle is likely to be the eye-candy for thieves.
Drive less and Carefully:
There are so many insurance providers who provide 'Low Mileage Discounts' to buyers who drive less than average number of miles per year. Make sure you are eligible to enjoy this benefit or not.
There are so many insurance providers who provide 'Low Mileage Discounts' to buyers who drive less than average number of miles per year. Make sure you are eligible to enjoy this benefit or not.
Prefer Safety gears:
Those who have automatic seat belts, air bags, daytime running lights and anti-lock brakes, then you can ask for a discount.
Those who have automatic seat belts, air bags, daytime running lights and anti-lock brakes, then you can ask for a discount.
Request for Discounts for Teens:
Opt for discount for teens on the parent's policy instead of a separate policy. Teens who have good grades and pass an educational course of approved drivers can eligible for discounted rates.
Opt for discount for teens on the parent's policy instead of a separate policy. Teens who have good grades and pass an educational course of approved drivers can eligible for discounted rates.
All Vehicles in Single Policy:
Person can save money if you insure all your vehicles in a single policy. Car premium may also decrease by purchasing insurance from the same company.
Person can save money if you insure all your vehicles in a single policy. Car premium may also decrease by purchasing insurance from the same company.
Know About Any Other Discounts IF Available:
If you are a retired person or older than 50/55, then you might be able to pay less. In case, you've had no moving violations or accidents in 3 years or if you are a longtime customer, then ask for other discounts which benefits you more.
If you are a retired person or older than 50/55, then you might be able to pay less. In case, you've had no moving violations or accidents in 3 years or if you are a longtime customer, then ask for other discounts which benefits you more.
Avoid roadside assistance and car rental coverage:
If you ask for roadside assistance, then eligibility coverage may affect. Therefore, it is good to line up roadside assistance elsewhere. Otherwise, it could increase premium.
If you ask for roadside assistance, then eligibility coverage may affect. Therefore, it is good to line up roadside assistance elsewhere. Otherwise, it could increase premium.
Senior citizens who attend driving lessons and are 55 years of age or more than that are also eligible for discounted rates.
Discuss these things with respective insurance agents as it can affect vehicle security and protection. To clear all your doubts, search online or directly contact the insurance company before buying any used or new car. So that you can end up with the best deal. Young adults or teenager who has gained excellent grades while taking driving lessons get more discounted rates as compared to others.
Adjusting policy as per your requirements is one of the best ways to decrease car insurance premiums. Always be truthful while declarations on the proposal form to ensure that your genuine claims will be paid.
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