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Another useful tip is to ask for higher deductibles. What are deductibles? Deductibles are what you usually pay before your car insurance policy kicks in. Asking for higher deductibles will lower your costs tremendously. On a cautious note, before settling on a higher deductible, be sure that you have enough money set aside, just in case you have a claim.
Probably, the number one feature that many consumers compare among the various car insurance companies they are thinking about purchasing their next auto insurance policy from is the price of the automobile insurance coverage. Let's be honest, this is a valid reason, especially in today's slightly inflated economy and with gas prices on a continue rise. The first thing that should be done when comparing auto insurance quotes is to make sure the insurance policies being quoted is similar among all of the auto insurance providers. Normally, insurance quotes are provided free of cost and they usually last or stay redeemable for about a period of 30 days. You also can easily compare prices online at each insurance provider's company website or by speaking with a customer service agent or representative on the telephone.
Always make it a point to look for higher deductibles. Deductibles are the amount paid before implementation of the policy. High deductibles greatly lower the costs. However, opt for higher deductibles only when you have enough money kept aside to pay it if you have a claim.
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Low cost auto insurance method four is to know the value of your car. You can call your auto loan provider for this information, or you can look for your car up in the Kelly Blue Book. If your car is older, consider reducing the coverage. You may not need collision if your car's replacement value is less than the insurance premium.
If you have an older car worth in range $1000 - $2000, you might be better off dropping the collision coverage. Check to see if your collision premium is more than the value of the car.
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Consider fit and comfort in your new car. Seat belts that comfortably fit over your shoulder and low on your lap will keep you safer. Automatic transmission, power steering and power brakes require less physical effort.
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