Car insurance rates are determined after analyzing multiple factors, including car model, driving history and ZIP code. While some factors, like state legislation, are beyond driver’s control, other rating factors can be modified and bring the costs down. Find out how to get better premiums:
- Use online car insurance quotes. Brokerage websites are recommended to complete car quotes. Make sure you complete the same information on all the questionnaires. After you received at least three car quotes, start analyzing them in order to find the most advantageous deal. Also, check all available discounts offered by each insurer.
- Carefully adjust deductible levels for comprehensive and collision coverage. Deductibles are the money paid by the policyholder before the insurance policy kicks in. By raising deductibles, the policyholder will lower his premium rates. However, choose a deductible that can be easily paid.
- Avoid committing traffic violations or accidents. A driver with a clean driving record for a number of years is eligible for a safe driver discount. Most insurance companies will lower premium rates after three years of clean…
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