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Know What You Need To Know About Auto Insurance

By Robert Tickle

Auto insurance can include a wide range of coverage, from liability-only to coverage that will fix the smallest dent or scratch on your car’s paint job. With auto insurance being required by law in many places, you may be confused as to what kind of coverage you need. This article will explain the basics and help you learn what you need to know about car insurance.

Get multiple policies with the same insurance company. Most insurance companies offer a multi-policy discount if you have two or more different types of insurance policies with them. You can get a discount of 10 percent to 20 percent just by carrying multiple policies with the same insurance company.

Make sure that you get any discounts to your premium that you are entitled to. Discounts may be available if your vehicle and your home are insured with the same insurance company. Also, people who have passed a defensive-driving course or people who don’t smoke or drink get discounts often.

Doing something simple like putting a car alarm on your automobile can ultimately save you hundreds of dollars over the life of your insurance policy. Statistics show that vehicles with alarm systems are less likely to be stolen, and any vehicle less likely to be stolen poses less of a risk with an auto insurance company.

A great tip in making sure your auto insurance policy stays low is to check out your CLUE reports. These reports show your insurance claims. If there’s a false claim on this report, it could increase your premiums. These reports can be accessed online for free one time per year under the FACT Act.

Auto Insurance Quotes

Always compare the auto insurance quotes with several different companies, you may find a wide spread of different rates. Even those online tools that compare rates across companies are a great way to make sure you are getting the best deal possible when you sign up for your insurance plan.

If you have a spotty or poor driving history, you may want to wait a while before shopping around for auto insurance. In most states, traffic violations and accidents fall off your driving record after a set period of time. If you have violations or accidents close to falling off your driving record, consider waiting until they are gone before shopping around for new auto insurance quotes.

As a side benefit, if you have spoken with an agent or direct representative, having notes enables you to reach back out to the same person if you have additional questions.

Car Insurance Quotes

Get between 3-5 car insurance quotes before deciding on a company. This will allow you to see what the acceptable range is for the type of policy that you want. You can easily identify if one company is charging too much for their services and also if another is offering you a good deal.

Look at your driving record before you get a car insurance quote. It may be inaccurate and contain old information that does not apply to your current situation. This can lead to elevated car insurance quotes and cost you a substantial amount of money. Make sure that your driving record has correct information.

You can protect your car, yourself, and your passengers with the right car insurance coverage. Without it, you could find yourself in serious debt should an accident occur, and possibly even on the wrong side of the law. With the knowledge you have gained from this article, you are now well prepared to look for car insurance.

Know more important things that you have to consider and be aware of on your cheap car insurance today.

Article kindly provided by UberArticles.com

Topics: Finance | Comments Off

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Article Citation
MLA Style Citation:
Tickle, Robert "Know What You Need To Know About Auto Insurance." Know What You Need To Know About Auto Insurance. 17 Oct. 2012. uberarticles.com. 3 Aug 2014 <http://uberarticles.com/finance/know-what-you-need-to-know-about-auto-insurance/>.

APA Style Citation:
Tickle, R (2012, October 17). Know What You Need To Know About Auto Insurance. Retrieved August 3, 2014, from http://uberarticles.com/finance/know-what-you-need-to-know-about-auto-insurance/

Chicago Style Citation:
Tickle, Robert "Know What You Need To Know About Auto Insurance" uberarticles.com. http://uberarticles.com/finance/know-what-you-need-to-know-about-auto-insurance/


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