It’s finally happened – all the paperwork is done and you hold in your hands your first set of car keys to call your very own. But what about insurance? With so many plans and companies and things you seemingly need to know and do to pick the right one, how exactly do you pick the right one for you? We’ve narrowed it down to a couple top things to keep in mind when you’re looking to pick the right car insurance provider.
Sounds simple, but is it? It is! You can save money by comparing online on price comparison websites which showcase costs and plans alongside one another for easy viewing, helping you make the best choice for you.
Maintain Good Credit
As with other types of insurance like life insurance, if your credit isn’t good, chances are your premiums will be higher making it difficult to get a truly good deal on your insurance. Check your credit score often and do your best to adjust it where you can.
Set The Right Deductible
Having a higher deductible reduces your premium, but it means you will pay more out of your own pocket upfront in the case of an accident. If you have a good accident-free history though, it could be worth the gamble to reduce your premiums. This can save you money on your insurance per month.
Beware Of Scammers
Crooks can rip you off by staging accidents or doing things like purposely slamming on their brakes to make you run into them and then claim that you are at fault. In every situation never claim responsibility upfront, always photograph the scene, and be sure to always phone the police to report the situation.
Reduced Mileage, Reduced Price!
If you aren’t using your car much if at all due to being ill, losing your job, working from home or other reasons, be sure to report it to your insurer. Less use of the vehicle means you can qualify for lower premiums. Just be sure to be truthful and not do this then use the car as much as you had been as anything that happens outside the world of your claimed use of the car may not be covered under this adjusted plan and will leave you having to pay out of pocket.
Pay Attention To Mechanics
If you have an accident and need something repaired, keep an eye on who the insurers send your vehicle to. Sometimes the shop they use will have an incentive to use cheaper or non certified parts that don’t suit your vehicle best.
Take Advantage Of Special Offers
Often times, insurance providers will give special discounts or deals to drivers that have no accidents, are mature drivers, married or have taken special driver training courses then you may qualify for a special discount on car insurance. Likewise if you have special devices in your car that deter thieves can help cut costs on insurance too, such as fingerprint identification and more.
So if you’re looking for a good deal on your car insurance, consider looking into some of the tips above. You might be surprised at how easy it is to get a deal if you’re willing to take an extra class or have a special anti theft device installed. It’s always a great day when you get a deal, so what kind of deal will you go hunting for with your insurance today?