Auto Insurance-Tips On Getting Cheaper Insurance

It seems car insurance rates climb higher and higher every year. What's to blame for these soaring costs? There are many factors. City and suburban streets are more congested causing more accidents. Many of the bigger, safer cars have given way to the smaller, compact cars, which generate more collision and bodily injury claims. Cars are more complicated - and expensive - to repair. And car theft and fraud, unfortunately, have turned into big business.
But getting a better deal on your auto insurance is possible. Follow these few simple tips and you might see a big difference in what you're paying now:
1. Be a Safe Driver. One way to save on auto insurance is to keep your good rate low. And the best way to do that is to follow simple safety rules. Moving violations and numerous, serious accident claims can cause your premium to skyrocket. So, buckle up, use your turn signals and your rear view mirror, follow cars at a safe distance, don't speed, etc. Your insurance rate won't rise unnecessarily - and, more importantly, you'll save lives!
2. Drive a Safe Car. Not all cars are rated the same. Each has a claims history which, in turn, has a major impact on how much it costs to insure. That only makes sense. Although you know some cars, like the Volvo, have a reputation for safety, other models may be tougher to judge. Two sure?fire ways to find out are 1.) write to the Insurance Institute for Highway Safety, 1005 N. Glebe Road, Arlington, VA 22201. They'll send you a list of safe cars by category...and their claims history. And, 2.) while you're shopping for a new car, consult with your insurance company or agent before you buy. They'll give you a quote and make suggestions about which cars are safer.
3. Get All the Discounts You're Entitled To. Many insurance programs have generous discounts built right in - for passive (automatic) safety belts...air bags...anti-theft devices...and more. Some offer discounts if you insure more than one car on the same policy. Good student discounts reward the youthful driver on your policy who has shown a degree of responsibility.
4. Tailor Your Coverage to Meet Your Needs. Evaluate the car you currently own, and how and when you drive it. Then you can concentrate your insurance premium dollars toward areas that benefit you most. For example, you may feel you can afford a higher deductible on collision and comprehensive coverages. Keep in mind that no insurance company will pay more than the current market value of your car, so if it's an older model, say 5 years or more, you may wish to consider dropping your collision coverage altogether. Again, look to your insurance company or agent for guidance.
5. Uncover the "hidden" costs - like premium financing, service and installment charges, membership fees. Over the term of your policy, these fees can really add up. For example, a $3 administration fee for monthly premium payment equals $36 for the year!

Source-AIG Direct
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