| If you a younger driver trying to get auto | | | | worst your present insurance company may give |
| insurance it can be difficult for you. First | | | | you an additional discount over what you have |
| of all your income stream may be limited - | | | | now "not to go away". |
| especially if you are out there pounding the | | | | |
| pavement looking for a job , better if you | | | | Its standard insurance rate practice to |
| have a job - especially a steady regular job. | | | | increase the premiums paid the higher the |
| If you are male auto insurance is | | | | insurance deductible. The deductible portion |
| traditionally more expensive than for women. | | | | of your insurance is the first part that you |
| It I s no secret that given the driving | | | | will pay yourself when you make an accident |
| pattern history of young men. However women | | | | or other claim on your insurance policy. For |
| are catching up in aggressive driving | | | | example if you had a $ 200 insurance |
| manners. If you have driving points against | | | | deductible and had an accident - you would |
| you - speeding, traffic infractions etc. If | | | | pay the first $ 200 of the claim. If your |
| you have a history of vehicle accidents or | | | | deductible was $ 500 then the first $ 500 |
| accidents then this is further bad news. The | | | | would be yours. It's a gamble or a judgment |
| deck is stacked against you for high car | | | | call. A lower deductible means much less cost |
| insurance premiums which you may or not be | | | | for you on your yearly insurance premium. On |
| able to afford. What can you do to reduce | | | | the other hand if you are misfortunate to |
| your auto insurance premiums? Plenty | | | | have an accident, that you judged to be at |
| | | | fault - then you will have to come up with |
| First of all in this day and age you can shop | | | | more money to pay the larger deductible. It's |
| around. This is no secret. It is even easier | | | | your call. A lower deductible will mean less |
| today. You can check rates online with a | | | | money for your insurance policy. Just make |
| great number of companies. | | | | sure that you have access to funds available |
| | | | in case you need them. Otherwise you will |
| You can apply online (if you have to you can | | | | have no car to drive. |
| create fictional names and emails if the | | | | |
| online system demands a name and address). | | | | By actually choosing and then buying an older |
| Research can be done online on the internet | | | | or a low risk car you can reduce your premium |
| and with a couple of phone calls. It is not | | | | as well. It may not be as sexy to be driving |
| as if in the old days when you only could go | | | | an older car that you might see your |
| to your local family insurance agent and no | | | | grandmother driving but it may be a case of |
| one else. | | | | being able to afford and drive that car or |
| | | | having no car. In addition at that point of |
| It is true that there are a number if | | | | an older less valuable car you might think of |
| procedures that you can do to reduce your car | | | | dropping your collision coverage. Again it's |
| insurance premiums. First of all as with most | | | | a judgment call. In the same way some cars |
| purchases volume is king. If possible see if | | | | are rated as "low risk" cars. Some cars are |
| you can insure more than one car with the | | | | actually rated "high risk" by insurance |
| same firm. Most insurance companies offer a: | | | | companies. This can be for any of a number of |
| multi-vehicle discount". What that means if | | | | reasons such as desirability by car thieves |
| you insure your car with another member of | | | | for joyrides or parts, ease of theft of the |
| your family, you will receive the benefit of | | | | vehicle or cars and SUV's that are very |
| a group deal and receive discounts on your | | | | difficult and / or expensive to fix. Cars |
| premium. This is perfectly legal and is a | | | | rated on a low risk basis will get lower |
| standard procedure in rate determination in | | | | insurance rates. In addition you can do |
| the vehicle insurance industry. Ditto if you | | | | things to reduce the risk for car theft and |
| carry your other insurance with the same | | | | thus reduce your premiums by installing an |
| carrier as the car insurance company. If the | | | | auto theft or other deterrent system. |
| insurance company, or even the agent, sells | | | | |
| home, property or health insurance they may | | | | Lastly when driving your car, drive safely. |
| give you a package deal such as you receive | | | | More accidents mean not only insurance |
| from your cell phone, cable or phone company. | | | | deductibles to pay but also increased |
| As well offer to pay the yearly premium in | | | | premiums and surcharges. It never hurts to |
| one lump sum up front - in most cases you | | | | drive safe, even if it a bit slower and less |
| will be given a discount for that. At the | | | | exciting. |