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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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Correcting 2 Common Misconceptions About Auto Insurance Discounts

Although many items and services have increased in cost in recent years due to the financial situation in the U.S. one of the most pressing has been expenses related to driving. Higher costs for insurance and fuel, in association with fewer jobs and financing for vehicles becoming harder to obtain, has resulted in many people looking for discounts wherever they could be found. Even though the financial situation has stabilized, a recent poll has determined that money was still a major concern for almost two out of three Americans who earned less than 100,000 dollars annually. Car insurance discounts are available, but it is important to know the truth about how to get common ones; since there are a lot of falsehoods out there that can cost you money.

1. As Soon As A Driver Turns 25, It Is Time To Expect A Car Insurance Discount

All over the country, drivers anticipate a lovely new reduction on their car insurance costs on their 25th birthday and are often shocked when it does not automatically appear. Unfortunately, it is not necessarily a given and you may need to ask your insurance agent for the reduced price. In addition, any recent changes to your driving routine, like tickets, accidents, driving a new car, or even changing residences can impact the amount of discount that you see.

The best advice would be to talk to your insurance agent at least a month before the big day and make sure all of your information is up-to-date. If you are still lucky enough to get a birthday card from the insurance company, do not assume that the same system noticed your age.

 

2. You Will Get A Big Discount For Any Kind Of Anti-theft Protection Equipment On Your Car

It is first important to note that there are many good reasons for protecting your car from theft and the amount of discount that your insurance company gives you for doing so should not be the deciding factor. With that being said, the savings that you can expect can vary extensively from one company to another, while some companies may not provide any discount at all for the products use.

As a result, before investing in the newest or most expensive option out there, talk with your insurance agent about choosing the most appropriate equipment for your vehicle. It is often possible to get the same or similar discount on equally effective and affordable protection equipment, like the hood lock as you would for the more complex tracking device implanted in your car.

In conclusion, the financial plight of Americans has been quite volatile in recent years. In order to improve your financial circumstances, saving money whenever possible, is always a good idea. By knowing the truth about how to get auto insurance coverage discounts, you will be able to save a little more money, each month, indefinitely.