Republished by Asep Setiabudi
There are a few factors you must take into consideration if you truly want to get the cheapest auto insurance possible. The days of simply calling up your insurance agent and asking them about the cost of a policy are over. Instead, your rate is instantaneously calculated by a computer that takes many different factors into account. Any one of those factors could make you pay a lot more or a lot less, depending in where you stand...
One of the biggest factors in determining your rate is your driving history. If you have a checkered driving record in which you're constantly getting into accidents or getting pulled over, you have a very small chance of getting the best rates you can. Fortunately, over time, those accidents stop counting against you. The statute of limitations in most states is three years. That means that you cannot be held responsible for accidents that occur over three years in the past.
Luckily, there is something you can do that doesn't require you to wait over 3 years before it can take effect. If you have an outstanding speeding ticket or got in an accident a year or so back, you can take some extra steps to mitigate the increase in your rate. For example, you can take a defensive driver course. Typically one of these courses, oftentimes offered for free, will drop your insurance rate over 20%. Along those lines, if you donate to a cause, many times, your insurance company will give you about 10% back. They reason that they offer a discount for things like volunteerism makes sense; those people who volunteer are less likely to speed and participate in risky behaviors like speeding and driving recklessly.
Next, you should check to see if you can get a lower rate at a different company. In order to reduce the amount of risk they have, insurance companies try to spread out their portfolio of clients to be as culturally, geographically, by gender, and yes, in terms of risky vehicles like red sports cars. Lucky for you, many times they're looking for someone in your exact situation, and they'll give you a great rate in order to get you to come over with them.
Which leads us down the pattern of continuously checking with different companies to check what the rate is that they'll give you. Chances are, its less than what you're paying now. You should strive to look for a lower rate by checking with a comparison engine every 6 months or so.
There are a few factors you must take into consideration if you truly want to get the cheapest auto insurance possible. The days of simply calling up your insurance agent and asking them about the cost of a policy are over. Instead, your rate is instantaneously calculated by a computer that takes many different factors into account. Any one of those factors could make you pay a lot more or a lot less, depending in where you stand...
One of the biggest factors in determining your rate is your driving history. If you have a checkered driving record in which you're constantly getting into accidents or getting pulled over, you have a very small chance of getting the best rates you can. Fortunately, over time, those accidents stop counting against you. The statute of limitations in most states is three years. That means that you cannot be held responsible for accidents that occur over three years in the past.
Luckily, there is something you can do that doesn't require you to wait over 3 years before it can take effect. If you have an outstanding speeding ticket or got in an accident a year or so back, you can take some extra steps to mitigate the increase in your rate. For example, you can take a defensive driver course. Typically one of these courses, oftentimes offered for free, will drop your insurance rate over 20%. Along those lines, if you donate to a cause, many times, your insurance company will give you about 10% back. They reason that they offer a discount for things like volunteerism makes sense; those people who volunteer are less likely to speed and participate in risky behaviors like speeding and driving recklessly.
Next, you should check to see if you can get a lower rate at a different company. In order to reduce the amount of risk they have, insurance companies try to spread out their portfolio of clients to be as culturally, geographically, by gender, and yes, in terms of risky vehicles like red sports cars. Lucky for you, many times they're looking for someone in your exact situation, and they'll give you a great rate in order to get you to come over with them.
Which leads us down the pattern of continuously checking with different companies to check what the rate is that they'll give you. Chances are, its less than what you're paying now. You should strive to look for a lower rate by checking with a comparison engine every 6 months or so.
