Réduire vos primes et obtenir une assurance automobile moins chère

L'assurance automobile est une exigence - et pas seulement pour vous protéger et protéger les autres en cas d'accident - mais une exigence légale. Si vous conduisez une voiture, vous avez besoin d'assurance. Heureusement (et malheureusement) il existe des milliers d'entreprises qui offrent une assurance automobile et autant de polices parmi lesquelles choisir.

Avec autant d'options disponibles, il est facile de lever la main et de choisir l'option la moins chère ou de simplement rester avec l'entreprise que vous utilisez depuis des années. Ces deux options sont faciles, mais ils peuvent aussi vous coûter très cher à long terme.

Alors, quelle police automobile est la meilleure ? Celui qui offre une couverture de qualité à un tarif abordable. Cela semble facile, à droite? Ce n'est en fait pas aussi mauvais qu'il y paraît. Les conseils suivants vous aideront à trouver des tarifs d'assurance automobile abordables sans sacrifier la couverture.

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How To Find Affordable Auto Insurance Rates

Many factors go into your auto insurance premiums. Your auto insurance rates will be based on the type of coverage you purchase, where you live, your age, gender, driving record, credit score, number of recent claims (if any), and other factors. The following tips are general factors that can often save drivers money on their car insurance premiums.

Bundle Your Insurance Policies

If you have more than one car or have other insurance policies such as homeowners or life insurance, you may qualify for lower insurance premiums by bundling two or more of your policies through one provider.

Multiple insurance policy discounts not only make insurance less expensive, but you can take care of all your insurance needs at one location making it an affordable and convenient choice. All things being equal, I much prefer paying one bill each month, compared to multiple bills.

Ask for Organizational Discounts

Many insurance providers offer a discount if you are a member of a certain organization. Ask for a list of group affiliations that qualify for discounts. These may include credit unions, certain credit card accounts, colleges, professional organizations, employers, military discounts, and more. Par example, here are some tips on saving money on a military car insurance policy.

Decrease Your Coverage

There are certain minimum coverage requirements that must be met in order for your vehicle to be legally insured. Financed vehicles also have insurance requirements to ensure the vehicle is properly covered while you are making payments to the bank or dealer. Lenders want to be reimbursed if your vehicle is damaged or totaled before you pay it off.

Beyond this, it is up to you how much or how little insurance you carry. The higher the coverage, the higher the premium. If you lower your coverage and increase your deductible you will see a reduction in your insurance premium. You may even reach a point where it makes sense financially to drop full coverage in lieu of liability only auto insurance.

Shop Around for Lower Premiums

While car insurance policies are very similar regardless of the provider, they are not exactly alike. Pour cette raison, you must shop around and compare all policies and providers to find the best rates available, and to determine what exactly your car insurance covers. It’s generally a good idea to get several insurance quotes every few months to ensure you are getting the best rates.

Improve Your Credit

Did you know that your insurance provider may check your credit history before quoting a price for insurance premiums?  If you have a low credit score as a result of a financial hardship in the past, make every effort to improve your credit before shopping for insurance.  The better your credit score the less money you will spend on insurance premiums.

Be a Responsible Driver

Your driving history just like your credit history will play a factor in your premium prices.  A clean driving record is viewed favorably by the insurance provider because you pose a lower risk than a person with a history of accidents, réclamations, or traffic violations. Traffic violations are expensive because they cost you money up front, and often increase your car insurance premiums for months or years after the violation. These tips can help you avoid getting a speeding ticket.

Security and Safety Devices

If your vehicle comes equipped with security and safety devices, make sure the insurance provider is aware of them.  This is true for any devices you may have purchased and installed that reduce the chances of theft or injury.  These devices will reduce the cost of your automobile insurance.

These are just a few of the ways you can lower your automobile insurance rates.  Car insurance is a necessary part of owning and operating a car.  Knowing how to reduce this expense without sacrificing coverage is a great way to save money that can be used elsewhere in your budget.

How to Lower Your Auto Insurance Premiums

Mitigate Your Risk Profile

Your insurance rates are often based on the perceived risk you pose. Factors such as your age, marital status, how many miles you drive, where you live, your credit score, driving record, claims history, auto insurance coverage history, occupation, and other factors can affect your auto insurance rates.

Par example, most insurance companies are going to give you a discount on your rates if you don’t do a lot of driving every mile. Every company is going to have a different limit for their low mileage discount. Most companies have their threshold around 8, 000 – 10, 000 miles. If you take the bus, or you get to carpool to work every day, then it could save you hundreds of dollars every year on your car insurance policy.

Pay Your Premium Up Front

Many companies offer a discount on your auto insurance premiums if you are willing to pay your entire premium in advance instead of paying each month. Be sure to ask your company if they offer this type of auto insurance discount – you could save up to 10% or more.

Not only will you save money, but you also don’t have to worry about making payments every month. If you want to save money, make one lump payment. Most insurance companies will give you a decent discount. Non seulement que, but most companies are going to charge a fee every time that you make a payment, and you’ll only have to pay that fee once.

Increase Your Deductible and Drop Unnecessary Coverage

Raising your deductible can save you up to 30% on your auto insurance premiums. Increase your deductible to $500 or $1, 000 if you can afford that much for repairs. With an older car, drop collision and comprehensive coverage when the car is worth less than 10 times what you pay for the insurance (check Kelly Blue Book for used vehicle values). You can also consider dropping comprehensive coverage if you have fully paid any outstanding loans or if you can afford repairs if you are at fault.

Dans la plupart des cas, policyholders have too much coverage on their car. While the extra protection is nice, it’s going to be very expensive. If you’re looking to save money, cutting out some of that coverage.

Get Good Grades

Many auto insurance companies offer discounts of 10-15% for students who maintain good grades. These discounts are often available for high school and college students. Check with your insurance agency for more details.

Join An Association Or Club

Many large associations and clubs are able to negotiate group discounts for auto insurance. Examples include AARP, Costco, AAA, military organizations, trade groups, unions, and more.

The Type of Vehicle Affects Insurance Rates

Vehicles with higher safety ratings, lower maintenance costs, or lower purchase prices may be cheaper to insure than expensive vehicles or those with low safety ratings. Ask about discounts for daytime running lights, multiple airbags, anti-lock breaks, and other safety features. It’s a good idea to get an auto insurance quote when shopping for new cars so you have an idea of how much it will cost to insure your new vehicle.

Combine Insurance Policies Under One Roof

Some insurance companies will give you a multi-line discount when you have multiple insurance policies through their company. This can include a multiple car discount, but also for combining other insurance policies such as your homeowner’s insurance policy, renter’s insurance, etc.

Other Discounts To Ask About

Defensive driving discounts, low annual mileage discounts, no accidents or moving violations, policy renewal discounts, etc.

Understand the Types of Auto Insurance Before You Buy

Before you purchase car insurance, it’s important you understand the different types of auto insurance. Not only do you need to find the cheapest policy, but you also need to ensure you have the perfect plan.

There are 5 types of coverage you should take note of when you’re looking for the best possible plan.

Liability Coverage

The first type of coverage is Couverture de responsabilité . This type of insurance protection will pay for any cost of repairing property damage or medical bills if you’re at fault. This is the most basic form of auto insurance, and is usually required in all states.

One way to lower your auto insurance premiums is to drop full coverage auto insurance and only buy liability insurance. There are pros and cons to dropping full coverage, so it’s a good idea to read up on those details before trying to save a buck. You may be required to maintain full coverage if you still have a car loan. And it may be a good idea to keep full coverage if you don’t have enough money to self-insure (repair or replace your car if something happens to it).

Collision Coverage

The next type is collision coverage , which pays for repairs costs if you’re in an accident. If your car is totaled, which means the cost of repairs is more than the value of the care, the plan will pay for the value of your car. As we mentioned, depending on the age of your car, collision coverage might be a waste of money. If you have a newer car which is expensive, then you should consider purchasing this type of coverage.

In some cases, you might be required to have collision coverage, quand même.

Personal Injury Protection

Troisième, personal injury protection (pip) is good for paying for any hospital bills. If you’re in an accident, then those medical bills and health care could cost you thousands and thousands of dollars. That’s where your PÉPIN coverage comes in. With this type of coverage, any medical bills for you and your passengers will be paid for, regardless of who is at fault for the accident.

Underinsured / Uninsured Motorist Protection

Suivant, vous nderinsured/uninsured motorist protection can be one of the most valuable types of coverage. While every state requires that you to have auto insurance, there are still millions of Americans that don’t have auto insurance. If you were to be an accident and the other driver didn’t have auto insurance, then you would be responsible for paying for all of those bills. That’s where your underinsurance/uninsured insurance coverage comes in. One of the best parts of these type of protection is that it’s pretty cheap to add to your coverage.

Comprehensive Auto Coverage

The last type of auto insurance ( and the most well-known ) is Comprehensive . Comprehensive coverage will pay for your repairs for damage done to your car that isn’t related to a covered accident. If something happens to your car, like hitting a dear, or a tree falls on your car, then your standard auto insurance plan won’t pay for those damages. Comprehensive coverage is great if you can afford it.

It’s excellent to have the maximum amount of coverage, but it’s going to be much more expensive than a standard plan.

Car Insurance is Required; Don’t Pay Too Much

You now have the information you need to search for lower auto insurance rates. Take the time to run some quotes and you may save yourself a couple hundred dollars per year – money that can certainly be put to better use.