Wednesday, December 26, 2012

Less Common Ways of Saving on Auto Insurance Quotes | Business ...

When shopping for car insurance, there are many options open to you. It can be overwhelming and seem difficult to save any money. Here are some less conventional ways that you can save money on your auto insurance quotes.

Do you have a large or small car? The size of your car can impact your auto insurance quotes. A smaller car weighs less, and is therefore more likely to be involved n a serious accident. You are also more likely to drive a smaller car more often. On the flip side, if you own a truck, van, or SUV, you might end up paying more because of the costs of repairing these types of vehicles. In order to save the most money, look at the costs of maintaining your vehicle vs. the costs to insure a vehicle and make your car buying decision based on these figures.

Look into purchasing a hybrid vehicle. Most people skip on considering hybrid vehicles because they often cost more up front. However, they will most likely save you money in multiple ways. First, there are often tax credits or deductions available for people who purchase a hybrid. You can also sometimes get a discount directly from your insurance agency. Finally, and most obviously, you will save money on gasoline costs. Some insurance companies offer up to 10% off for a hybrid vehicle, so they are worth your consideration.

How much do you drive? You should figure out a rough estimate of how many miles you drive each year before beginning your insurance search. People who drive more miles will likely end up paying a higher premium. This is because the more often you are on the road, the more chances you have of getting into an accident, making you slightly more risky to insure. Some companies offer a monitoring device so they can know how often and at what times you drive, and offer you a discount based on the results.

Choose a reputable carrier. Before committing to a policy, research the company?s reputation. Find out whether or not they have had numerous legitimate complaints. Also check the financial rating. You can find this information through online reviews, employees of the company, or family and friends that have used it.

Are you going to be insuring young drivers? Teenaged drivers are statistically more likely to have an accident, likely due to their short amount of driving experience. This means they often pay more when it comes to auto insurance quotes. However, there are many insurance companies out there that offer discounts for teens if they are good students, complete driver education classes, or have monitoring devices installed in their vehicle. Find multiple quotes in order to find the best policy for your teen.

As you can see, there are many different ways to save money on auto insurance quotes. The best thing you can do is put the effort forth to research thoroughly and find as many quotes as you can. This way you can be sure you know what is out there and available to you.

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