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Getting the best car insurance rate can seem tedious. It becomes even more difficult when you consider that many insurance agents are reluctant to volunteer information about available discounts and deductibles.
Hence, getting the best car insurance rate means arming yourself with the facts.
1) Compare Premium
The first thing you want to do is compare premiums. Rates in your area may vary from location to location or agency to agency. Sure, they may not differ substantially, but even a percentage point or two can help save a lot of money over the long term.
Visit different websites of the insurance company and compare the rates offered to you. State insurance offices usually have pricing guides, but they may not match you with the companies you are considering, so do a search on your own to find the most cost-effective insurance agents in your area. use the guide.
2) family
If you have teenagers in your family, anyone under the age of 25 to be precise, manage them carefully. Young drivers pay more because they are more prone to accidents. Once they reach 25, statistically it decreases.
That said, if you have kids, encourage them to keep their grades high, at a B average or higher, so they can get a discount on car insurance. Students can save between 5% to 25%. Plus, it can get them a big discount if they complete an approved driver’s education course.
Parents of students who spend each year at school more than 100 miles from home and need a family car to do so can get a break on the cost, too.
3) Careful Driving
Kids are not the only ones who need to be careful drivers on the road. Many insurance companies offer a 5% discount for those who keep a clean record for three consecutive years, and a 10% discount for those who go six years without an accident or violation.
You can also get a discount, depending on where you live, if you are a woman and the only driver in a household, a non-smoker, a senior, or a member of a specific profession who are statistically less prone to accidents (usually law or medicine).
Other discounts can be obtained by taking defensive driving courses, carpooling, or maintaining low miles on your car. If you participate in a data-tracking program, where insurance companies keep track of your driving habits, you can often get a discount for that, too.
These rates vary depending on where you are and which company you use. Also, you may not qualify for the discount one month, then qualify for the next.
You need to stay on top of the insurance company and make sure you are getting the discount you are entitled to, as they will not tell you the ways you can save. Asking about these programs can only help save you, not hurt you. So call your agent today.
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