Given the necessity to own auto insurance, it seems as though the process to purchase auto insurance...

1. Things That Can Make Your Next Car Insurance coverage
Endeavor
Given the necessity to own auto insurance, it seems as though the process to purchase auto
insurance should be much easier than it is. Although you may be frustrated by the difficulties you
have had in the past, this article is meant to provide you with the tips you need to get your auto
insurance as quickly and painlessly as possible.
When considering extras for your auto
insurance, you can most likely do without
the car rental insurance. You will pay nearly
$50 a year for rental insurance, when that is
the same cost for renting a car for one to
two days. Also, your rental car is most likely
already covered under your policy, anyhow.
Consider dropping comprehensive coverage to save money on your auto insurance. Comprehensive
coverage is protection against physical damage, or things that aren't related to liability or collision.
Damages that might be covered under comprehensive insurance include vandalism, theft, or fire.
You should be prepared to pay for these kinds of losses out of your own pocket if you decide to drop
comprehensive coverage.
Drive smart and safe to keep your auto insurance cheap. A clean driving record makes a huge
difference in the premiums insurance companies will charge you. Insurers inspect your driving
history perhaps more closely than any other factor when setting your premium. Do not worry about
accidents where you were not at fault; drive safely to avoid any other bad marks on your record.
Adding value to your car is not a good thing, if you want to save money on your insurance policy. A
nice stereo system, rims and tinted windows may look nice driving down the street, but this added

2. value will be reflected in your monthly premiums. Keep it simple, if you want lower insurance
payments.
Verify that the information that is on your car insurance policy is accurate. Confirm the
http://www.insure.com/car-insurance/ vehicle information as well as the driver information. This is
one thing that many people do not do and if the information is incorrect, they could be paying more
than they should be each month.
If you have excellent health insurance, consider dropping medical pay from your car insurance
policy. There is no need to pay for the same insurance coverage twice. If your health insurance is
good, you probably don't need it covered by your car insurance as well. Dropping medical pay from
your car insurance can save you a lot of money.
Having your VIN number etched into your window can lower your insurance premiums up to 15
percent. Sometimes the VIN number is already etched into the car's window, but will raise the price
of the car $300 to $900. You can also etch the number into the window yourself for $19.95.
You should decide wisely how much coverage you want. You will need basic coverage, but you can
save money by paying less every month and saving up some money in case you get in an accident
and need to pay for repairs yourself. If you do this, make sure you always have enough money
available to pay for repairs.
You will want to remove any driver from your auto insurance policy who no longer drives your
vehicle. Adding other drivers to your insurance can increase your payments, however if you take
them out you will save cash on your premium since that's one less person you have to cover.
Review your insurance policy to make sure you are not being overcharged. Check for accurate
annual mileage, verify your car's make, model and year. Double-check that the policy reflects your
proper work commute, especially if it is very short. All of your policy's information is found on the
Declaration page. Also verify that no additional coverage was added without your agreement, and
that all promised discounts were applied.
Consider switching your current insurance to a lower coverage policy to save a few more dollars.
Depending on your state's insurance requirements and if you are leasing or renting to own a vehicle,
you may be able to lower your insurance coverage to save a little extra money each month.
It might be a good idea for you to buy a used car if you are a new driver or someone that does not
drive particularly well. Insurance companies view used cars as much less of a liability so the majority
of the time they will charge you premiums that are much less than those that they charge new car
owners.
You can also http://www.feedbite.com/rss_pages/MyBestFeed1.xml get a very good discount on the
premium of your auto insurance policy, if you are a senior citizen. There are a lot of companies that
will offer a good discount, if you are over the age of 65 and if you have a good driving record.
When you are hunting car insurance discounts, check with all of the clubs and organizations you
belong to, not just auto-related ones. Professional organizations and major service clubs (like the
AARP), often have car insurance deals to offer to their members. Taking advantage of organizational
discounts can save you plenty of money.

3. An auto insurance professional can give you a breakdown of prices and discounts offered. Check all
the discounts to determine which ones apply. By taking advantage of any discounts available, you
can save more money.
You should not let your insurance coverage lapse. If you are not able to pay for your insurance policy
in full, you should call and talk to an agent. If you allow the policy to lapse it is very possible that you
will not have coverage should an accident take place. That is a big risk that can be avoided by
making a simple phone call.
Understand what SR-22 insurance involves. SR-22 insurance is usually mandated for drivers
convicted of a DUI. This insurance is a high-risk policy that has to be carried for three years, and
requires drivers to have an SR-22 form filed with their Department of Motor Vehicles. This form is
filed by the insurer, saying that if the driver does not keep his insurance paid on time, the DMV will
immediately suspend his license. For a fee, drivers can get a new SR-22 form and insurance again,
but will have to carry this very expensive coverage for another full three years from the
reinstatement date.
As you read at the beginning of this article, auto insurance scams and tricks are incredibly common.
If you know how to avoid them, though, finding the insurer that's right for you is simple and easy.
We hope that this information helps you to make an informed decision when insuring your vehicle.