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Auto Insurance

Auto insurance is a requirement by law in many countries, especially third party insurance. Therefore, it should be regarded as a essential expense in running a car, along with petrol, road tax, and maintenance costs. Many of us never think about auto insurance. We're conditioned to buy auto insurance as we're conditioned to pay our water bill. However, there are some that don't feel that the expense of auto insurance is necessary.

Consider the scenario of a motorist without auto insurance. She's at fault for a car accident and is unable to work. She's liable for her own medical bills, the other party's bills, and for property damage. Without auto insurance, all the money comes out of her pocket. Unless your last name is Trump or Gates, auto insurance is a must.

Auto insurance premiums can be expensive, going into the thousands of dollars per year. One way to make auto insurance affordable is to see if the auto insurance company can break up your premium into monthly payments. Normally, you would fork over an initial down payment, and then pay your auto insurance premium over several months. Be aware, though, that some auto insurance companies will charge an extra fee for that service. If at all possible, pay your auto insurance premiums at least semi-annually.

One way to lower your auto insurance premium is to reduce your coverage to the state minimums. Your monthly auto insurance payment can be as low as $20 per month. This is not the best strategy, however. Having the minimum auto insurance coverage is almost like having no coverage at all.

One of the best ways to pay lower premiums for auto insurance is to take advantage of as many discounts for which you qualify. There are discounts for save driving. If you've never been in an auto accident or have never been caught with a moving violation, you should qualify for safe driver discounts.

Your age can factor in to your auto insurance premiums as well. If you're between the ages of 16 and 25, you will have to pay higher auto insurance premiums anyway. Once you hit the magical age of 25, or you get married, your auto insurance premiums will go down.
The auto insurance deductible you choose can also affect your auto insurance premiums. The higher your deductible, the lower your auto insurance premium.

Finally, always compare auto insurance rates among different auto insurance companies. Even for identical coverage, auto insurance premiums can vary widely between auto insurance companies. There are many websites that will compare auto insurance rates for you. Check with these websites, as well as your local auto insurance agents for the best auto insurance deals.

Comparing Auto Insurance

When purchasing car insurance, it is imperative that you compare auto insurance quotes among different companies. Some people get discounts from their existing insurance company. However, when you fail to compare auto insurance, you might be leaving a lot of money on the table. To get the lowest possible premium, you must compare auto insurance quotes.

Try to compare auto insurance quotes with at least three different companies, possibly up to six. You can either compare auto insurance rates with local agents, or you can go online. The advantage of going online to compare auto insurance is that you can get quotes from multiple companies on one screen. Make sure, however, that you're doing an apples-to-apples comparison. When you compare auto insurance, use the same coverage in all applications.

The lowest price isn't the only thing to look for when you compare auto insurance. You have to consider the insurance company themselves. Established insurance companies are your best bet for great service and responsiveness.

You might find some newer insurance companies that low-ball the premiums in order to get your business. Watch out! Companies like these sometime leave people high and dry when it comes time to pay for insurance claims. The money you saved with the premiums will be spent trying to rectify the problems you have with the company. Not only that, your rates might go up the following year, leaving you to compare auto insurance quotes again.

Compare auto insurance rates, but also compare auto insurance companies. When you compare auto insurance rates, make sure you do so well before your current policy expires. That way, you'll have plenty of time to compare auto insurance companies. You'll also be able to explore each company and dig for discounts. You'll also have plenty of time to ask questions of insurance agents that you can't ask online.

Once you compare auto insurance, you'll know exactly what goes into your premiums and be able to get the discounts that apply in your situation. You'll have a good understanding of the different coverages available, and whether or not you need to have them. Most importantly, you'll have an appreciation for the different companies and their reputations. Insurance company ratings make all the difference between a hands-off insurance experience and a full-blown insurance nightmare.

In summary, auto insurance should be regarded as an essential expense in running a car. However, there is a lot of difference in terms of price and coverage offered. Therefore, one must do due diligent research before deciding on a particular company.

Want to Buy Auto Insurance? - Make Sure You Read This Guide!