by Achmad Arief.
Automobile insurance premiums are based on a mammoth number of factors, some you can control others you can not. While I have been driving for over 15 years, it only recently I discovered distinct ways to prick the cost of the insurance premium. There are certain factors that decide you premium.
Factors you can change:
Type of Vehicle ? As you are probably aware and red Corvette is going to expect a higher premium than a Civic. So be prepared to pay the premiums.
Driving describe ? A person with a elegant driving characterize is going to have lower premiums than a person with several keen violations. If possible you should opt for defensive driving or deferred adjudication rather than pleading guilty and paying the delicate. In fact it may be less expensive to hire an attorney rather than paying the attractive.
Levels of Liability ? sure states have requirements for the minimum levels of liability that is mandatory. You can prick you level of liability to the state minimum to reduce your premium.
PIP ? Personal injury protection can be completely waived to also slit your premium. I have not had PIP on my policy for over 10 years with no negative impact.
Claims ? While you can not change the past, if it is a minor accident you would be better off paying for the repair than filing a claim on you policy. In many instances the repair will not be much higher than your deductible.
Uinsured/Underinsured Motorists ? This is also optional. You can waive this part.
Occupation ? A outside sales score or pizza delivery person is going to have a higher premium than an accountant. Do not exclaim your your agent you are using the car for work
Credit Rating ? You may not have been aware of this one. Insurance companies have found a deliver correllation between people with bad credit history and higher risk. hold your credit history certain and you expect lower rates.
Geography ? A driver living in a rural or suburban area is going to have a cheaper premium than someone living in an urban are. People liveing in rural America are less likely to have their car stolen or a total loss claim.
Multiple Car Discount ? This is the loophole I have found. acquire a inexpensive car and honest procure general liability insurance on it. recount your agent this is your daily driver, the second car, your corvette, is your weekend or Sunday drive car.
Theft Detection or Onstar ? Most insurance companies will give you a discount on your premium if you have a burglar awe install, either OEM or aftermarket.
Factors you can not change:
Age ? The Auto industry has found that most accidents are caused by the oldest drivers and the very young drivers. If you have a teen in your household that is of driving age, be prepared your premium will rise.
Gender ? Women are historically safer drivers.
Marital status ? Married individuals are going to have significantly lower premiums thatn single people. This does not mean that you should derive married fair for the sake of your insurance premium.
All this may be a bit confusing, but if you print this article when you regain you next quote I am distinct you can gash your premiums. If you are keen please visit my website for a review of insurance companies and their links. Insurance Quotes Online Thank you and worthy Luck,
Related posts:
- Car Insurance
Source: http://21stcarinsurance.us/cheap-auto-insurance
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