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Car Insurance Matters


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Car Insurance Matters

I still remember the day that I drove off of that used car lot with my first car. In my excitement to show off my new ride to my friends, I smashed my car into a telephone pole. Although I can laugh about the accident now, it was devastating at the time. In addition to completely destroying my reputation, I also had to deal with the expenses that were involved with the wreck. Unfortunately, I hadn't purchased car insurance, so I had to foot the repair bills on my own. After getting my car fixed and thinking about my actions, it was very clear to me that I needed to invest in a car insurance policy. I decided to learn as much as I could about insurance, and that is one of the reasons that I decided to become an insurance agent.

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3 Ways To Lower Your Auto Insurance Rates

Do you feel like you are overpaying for your car insurance policy? If so, there may be some discounts that you are not taking advantage of, which can not only help you save but allow you to save without having to reduce your coverage. To ensure you are maximizing your savings, you may want to consider:

Buying Car Security Features:

A great way to avoid paying too much for your insurance is to ensure your insurance company does not see you as a liability. A great way to do so is to install security features in your vehicle if you don't already have them. By having a feature like a car alarm, you will likely be able to avoid potential auto theft and vandalism to your car. This will reduce your chance of having to use your coverage, which is why your insurance company will likely offer you a discount if you obtain and invest in security car features.

Avoid Street Parking:

One of the questions that insurance companies ask their policyholders is whether or not their car is parked in the street or in a garage. There are many things that can go wrong by having your car parked out on the street, as random pedestrians are constantly walking by your car, and you have the potential of dealing with a moving vehicle hitting your parked car. Because of these two factors, your car can be at risk of dealing with damages and your insurance company will suspect that you are a bigger liability for them, which may result in higher premium rates. To ensure you avoid paying more for your policy, consider making room in your garage for your vehicle. This will keep your vehicle safe from public mishaps, which will help you receive a discounted rate on your policy.

Pay More for Claims:

Because you're rarely going to have to file a claim, especially if you are a very safe and careful driver, you will want to consider paying a higher deductible rate. Paying a higher deductible rate does mean you'll have to pay more when filing a claim, but because filing a claim is something you are not going to do often or even at all, you will be able to save on your monthly premium rates. Paying a bigger deductible rate will help reduce your premiums, as your company saves money by having you pay more out of pocket expenses when using your coverage.

These three options are all great and easy ways to see a potential reduction in your insurance cost, which can definitely help you save each month. By taking advantage of these options, you will likely see a nice savings, without having to reduce the coverage that you currently receive just so you can potentially save money. This will ensure you are still fully covered, so you can protect both you and your valuable vehicle.

Get in touch with a company like Colling Insurance Services, Inc for more information.