5 Tips To Save You Money On Automobile Insurance
5 Tips To Save You Money On Automobile Insurance
By: Cecilia Valenzuela
Having auto insurance is always required in every state. It is the law. Not only is it required by law, it's just a good piece of mind knowing that you, your loved ones and the other driver are insured when you are out on the road.
Whether you are looking for a quote on car insurance or looking for tips on how you can save money, you will be glad to know that it really doesn't take a lot of effort or time to get the best possible rate for your car.
Here are some Tips For Getting The Best Possible Automobile Rates For Your Insurance Needs:
Check Your Credit Score.
It's very important for you to know your credit score, as the higher your score, means a better insurance quote.
It's important knowing that according to the Fair Credit Reporting Act, auto insurance companies are allowed to review your credit history through credit history reports. These companies can do this without you, (the policy holder) even knowing, which helps determine your insurance premium.
If there are negative comments on your credit, try to resolve any of those issues before inquiring about insurance quotes. Contact the company or companies that have noted any negative comments on your credit report and ask them what you need to do to have those comments removed from your report.
You can also seek attorneys who specialize in credit repair.
Auto insurance companies will reward those with a higher credit score as it is believed that those who have a higher score are more responsible and will submit less claims, which of course costs the insurance companies less money.
Insure All Of Your Vehicles With One Insurance Carrier.
You will get a discount for multiple vehicles insured with the insurance company.
Also, if you own a home, insure your house as well, for even better savings!
Make a point to stop into your local Motor Vehicle Services Division to check your driving record.
If you know that you don't have any citations on your record, don't worry about this.
If you do have a citation on your record, make sure that you pay any unpaid fines so that the state does not suspend your license. If you believe that you received a citation that you are not guilty of, you certainly have the option of contesting the citation in court and having it removed from your record.
Simply request a hearing if you believe you are not responsible for any of the cited violations. You may also request the court to set a date for a civil traffic hearing. Typically this request can be made in person or by mail; call ahead to save time.
Be Honest With All Of Your Questions On The Insurance Application For Your Auto Insurance.
This should go without saying, but it is very important that you are truthful with each and every question. Auto insurance companies can deny you coverage if they discover that you provided false information. Auto insurance laws allow a 60-day discovery period, which enables insurance companies to cancel an insurance policy for non-demographic reasons.
Examples of these reasons may include such things as: race, religion, ethnicity, location, color. If an applicant lies on the initial application and the insurance company is made aware of this, by law, they may cancel your policy.
Make Sure To Inquire About Discounts For Driver's Education Courses.
Many companies offer discounts for approved driver education or safety classes. Insurance companies view these educational classes as a benefit to them, as it is their belief that you will have learned some very important driving tips in which you will hopefully apply every time that you get behind the wheel.
By attending these driving classes, you can sometimes save a good 5-10 percent off your premiums, which can really add up and provide you with a very attractive automobile insurance quote which in turn, allows you to save money on car insurance.
There really are so many easy ways for you to save money on car insurance. Another very simple way to lower your automobile rates is to register for a driver education course. Insurance companies look favorably on drivers who take the time to save money, but also credit you for wanting to become a safer driver. Car insurance carriers will typically credit their customers who participate in educational classes geared for drivers because it usually means less claims for them to process. More importantly, it means less money that they have to pay out on these claims.
Before signing up for a driving class though, contact your auto Insurance company and make sure that they recognize the class that you are considering participating in.
Cecilia Valenzuela is a full time entrepreneur and Arizona small business owner. Valenzuela works with other entrepreneurs working to become successful. Cecilia Valenzuela is a successful online business entrepreneur who helps others follow their own online business dreams. More information about saving money on car insurance and tourist information is available at: http://www.my-arizona-desert-living.com/Arizona-Auto-Insurance.html
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