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Lowering Your Auto Insurance Costs
Vehicle insurance - a cost we all must bear if we want to drive.But you might be surprised at how varied the rates for carinsurance can be in your area. Definitely shop around for yourcar insurance. Don’t just go with the first agent you speak with.Now, thanks to the internet, you can shop around right from thecomfort of home. Go ahead and get at least three price quotesfrom different kinds of insurance companies.If you’re in the market for a new car, call to see how much itwill cost to insure in the first place. Having a car alarm andother anti-theft devices can help lower your costs.Always ask about discounts. Don’t be shy. Companies expect this!What’s my cost if I have a $500 deductible? (Increasing yourdeductible from $200 to $500 could reduce your collision andcomprehensive coverage cost by as much as 30 percent.)How about a $1,000 deductible? Going to a $1,000 deductible cansave you 40 percent or more. (Now if you don’t keep at leastthis much in the bank, don’t choose this option!)If your car is worth less than 10 times the annual insurancepremium, purchasing extra coverage may not be cost effective.That’s one great thing about owning an old car!My credit rating is excellent. I always pay my bills on time.What if we insure more than 1 car with your company?I haven’t had an accident in more than three years…I haven’t had a traffic ticket in three years…I’ve taken a driver’s training course.My car has an anti-theft device.I don’t put a lot of mileage on my car in a year’s time.I carpool.My car has air bags.My car is quipped with anti-lock brakes.I have daytime running lights.I’m a student driver with good grades.Since I have both auto and home coverage with you, do I qualifyfor a discount?I’m a college student away from home…I’ve been a long time customer…My mom and dad use your company…Do you offer any other discounts? Some companies offer reducedrates to drivers who get insurance through a group plan fromtheir employers and other professional groups. It can’t hurt toask.Not every company will offer the same discounts. Compare thefinal prices the various companies offer you. It pays to shoparound for your car insurance!
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