Automotive Information

11 Responses

• Comment by disswmmr
  June 26th, 2009 at 2:19 am

  You can lower premiums by either lowering your overall coverage, which is not the best idea, or raise the deductible, which means more out of pocket expense should you have a claim. Raising the deductible is the way to go here.

• Comment by desert camel
  June 26th, 2009 at 2:19 am

  this is for the UK…USA might be different.
  must be garaged
  must be alarmed[cat 1 alarm]
  must be parked off road[on drive]
  an advances driving course can lower the Premium
  insure it at a rural address [if possible]
  limited yearly mileage
  offering a higher excess
  use of no claims bonuses…
  thats about all ive got at the moment..

• Comment by mbrcatz
  June 26th, 2009 at 2:19 am

  There are a whole bunch, and it will vary by state somewhat. Here is a partial list:

  Keep your credit score over 750
  Don't file claims
  Don't have accidents
  don't buy much coverage – the less coverage you have, the cheaper the insurance (that's not necessarily a good thing, come claim time)
  take drivers ed
  take a defensive driving course
  obey traffic laws, to avoid points on your license
  raise your deductibles
  put all your cars on one policy (multi car credit)
  commute to work on the bus (monthly bus passes offer a commuter discount, as your car isn't driving to work every day)
  Drive your car less than 5,000 miles a year
  Don't buy a new car- insurance rates drop drastically on cars 4 years old or older
  Buy low end cars – under $20,000. Rates go up drastically, for cars more expensive than that
  Buy your homeowners or renters insurance with the same company that writes yoru car insurance, for discounts up to 40% on each policy
  Shop around. Cheapest insurance company for you this year, is likely to change every year

• Comment by Bentley
  June 26th, 2009 at 2:19 am

  Group your insurance policies together: Buy your home, car, and Life Insurance from the same company and you may get a good deal.

• Comment by oklatom
  June 26th, 2009 at 2:19 am

  Drive in such a way that you have zero traffic tickets, and zero accidents. If your record is already bad, still aim for zero and in time (typically 30 months) those points will drop off and your rates will drop.

  Before choosing a vehicle, discuss costs with your agent. Generally sports cars are higher, muscle cars are higher. A 95 Buick will be less than an 05 Mustang for example.

  Older is generally cheaper than newer, but there are exceptions to that rule. Newer, and therefore safer cars with air bags and alarms can actually be lower because they are safer.

  Avoid getting a car on the "Most stolen" list. (see http://www.forbes.com/2008/07/08/most-stolen-cars-forbeslife-cx_jm_0709cars.html )

  On the same subject, although we don't always have a choice, avoid those areas with high density and crime as a place to live. (see http://www.forbes.com/2009/04/15/car-theft-hotspots-lifestyle-vehicles-car-theft.html ) If you can move to a safer area, do so.

  Keeping your car garaged, and with a good alarm system can also drop your rates.

  Some companies give extra credit for good grades, and taking safe driving courses.

  Good luck with the project.

• Comment by Duane H
  June 26th, 2009 at 2:19 am

  For car insurance the best way to get a very good rate is do a policy comparison on car policies. Make sure that you choose similar policies with the same limits, car type, location, etc so that all things are a good comparison.

  What I usually recommend is an internet comparison quote at http://www.lowratetoday.com since they have top name insurers and can give multiple quotes on car insurance polices.

• Comment by Robert K
  June 26th, 2009 at 2:19 am

  First, be smart about the vehicle you want to insure. This means picking a vehicle with high crash test safety ratings, lower theft rates, and low repair costs. If the vehicle has things like an alarm, or a lojack system, the rates will also be lower for you. Driving less and using the car as a pleasure use only vehicle will help your rates as well.

  Second, as previously stated, avoid tickets and accidents. Most insurance companies will look at the last five years to establish a history for you, so if that period is clear, you are likely better off. Maintaining a higher credit score will also help your rates in most states, but for a few of them this is not allowed to factor into the price.

  Third, consider your coverages. Most companies will charge you less for having lower limits of liability, but some companies actually reward you with lower premiums if you have maintained higher liability limits in the past, and continue to carry this higher liability. For instance, my company will charge someone less if they used to carry 250/500 and continue the 250/500 than if they switch to 25/50. Raising your deductibles and applying all multi car and multi policy discounts is a great way to reduce cost. Finding companies that offer group rates for employer groups and alumni associations can help as well. If you are an under age driver, including your parents will lower the cost as well.

  Finally, the best way to reduce the cost of the legally required insurance is to move somewhere like Wisconsin, where auto insurance is not required.

• Comment by SUDIP
  June 26th, 2009 at 2:19 am

  Please go to http://www.autocoverage.com expert will tell you everything please mention your state.Service is Free

• Comment by CAROL S
  June 26th, 2009 at 2:19 am

  I am not going to say I am one hundred percent sure about the answer.Besides it really depends on the personal feelings.SO it would better for you to find yourself.Here http://www.InsuranceFreeTip.info/insurance-for-free.htm is a good resource.

• Comment by RYAN V
  June 26th, 2009 at 2:19 am

  Buy a very small engined car for cash and get collision only. Have as high as deductible you can get.
  Shop around and get quotes from 500 carriers for that one cover I mentioned and go for the cheapest out of the lot.
  That's all you can do.

  People saying that you should live in the country aren't realistic as you aren't going to destroy your life/work so you can save on insurance.
  Mentioning a garage is also lame. If you want to bring the price down you don't cover it for theft, period.
  Driving carefully will take you at least one year to lower your price so doesn't apply.

• Comment by Michael
  June 26th, 2009 at 2:19 am

  autoinsurance.noneto.com – try this one. I personally have their car insurance, cause it is the cheapest for me in our area.

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