Lowest Car Insurance Rates - How to Get Them
By: Brian Stevens | Posted: 03rd July 2007
How much are you paying for car insurance? If you haven’t compared car insurance rates lately, you're probably paying too much.
How can you make sure you get the lowest car insurance rate? The answer is easy - you need to comparison shop just as you would comparison shop for the lowest price on a computer or anything else.
Get Started on the Internet
Fortunately, the Internet makes the job of finding the lowest car insurance rate easy. All you need to do is go to an insurance comparison website. On such a website you complete a simple form with information about you and your vehicle, including:
* Your car’s VIN number, year, make, and model.
* Safety features in your car, such as anti-lock brakes, airbags, and theft prevention systems.
* Any tickets or accidents you've had.
* The number of miles you drive each year.
Keep Your Rates Low
To get the lowest car insurance rate follow these tips:
* See if you qualify for car insurance discounts. Does your car have an anti-theft device? Do you drive less than 12,000 miles a year? Have you had a ticket in the last three years? Can you purchase your home insurance and your car insurance through the same company so you get a multi-policy discount?
* Decide what coverage amounts you want. Every state has minimum coverage requirements. You can go to your state’s department of insurance website to find out what the minimum required amounts are for your state.
* If you want comprehensive and collision coverage, set your deductible as high as you can afford. The higher your deductible, the lower your premium.
* If your car is over five years old, consider dropping your comprehensive and collision coverage.
By comparison shopping and following these simple tips, you can get the lowest car insurance rate possible.
Visit http://www.LowerRateQuotes.com or click on the following link to get the lowest car insurance rates from top-rated companies and see how much you can save. You can get more auto insurance tips in their Articles section.
The authors, Brian Stevens and Stacey Schifferdecker, have spent 30 years in the insurance and finance industries, and have written a number of articles on getting the lowest car insurance rates.
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