Sunday, March 29, 2009

Top three ways to save money on car insurance..

Written by: Stephanie King

In these hard economic conditions, everyone is looking for a way to save money. As much as we would like not to use our cars to save money on gas, realistically we need to. Since we must use our cars, why not save money doing it?? With multiple insurance companies out on the market, it is easy to compare prices and pick the right coverage for your pocket. Besides, comparing quotes there are other changes that can help you save money on your car insurance.
After choosing the right company with the lowest rate…here are some ways to lower your insurance costs:

1. Ask for higher deductibles. Even though it may seem hard to give up more money in the beginning, it can ultimately decrease your rates in the long run. These savings can be set aside in the case that you do need to make a claim for any reason.

2. Make sure your older cars insurance isn’t too much. Sometimes, it is easy to forget that a car loses values as time goes on. As the older car loses value, you might still be paying the same amount of insurance when you first bought the car even though it costs ten times less now.
3. Maintain good credit. As with many other companies, insurance companies are now making an emphasis on credit score. Making sure to pay bills on time and maintain a good credit score could ultimately save you money on your premium rates. Many companies use these scores to determine your insurance rate. Constantly checking you credit score for updates and changes,
could save you hundreds or even thousands.


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