Sunday, November 29, 2009

How to get best rate on auto insurance

Posted by Shawn Gao

How do drivers get their best rates on auto insurance? There are many factor can vary rate on auto insurance. For examples, your age, car make, GPA, even car’s color would change the rate. The best way for drivers to get the best rate is to shop around, and go to (helps drivers to get more information on auto insurance).
Usually, insurance companies will check driver’s driving history first. The more tickets and accidents the driver has, the higher rate would be charged. However, law states that driving history can affect insurance premiums for only three years, most companies will look back at a drivers’ history five years or more.
Another factor that would cause additional money is lapses in coverage. When driver wants to switch from one insurance company to another, he should purchase the new one before cancel the old one. Even lapses in a few days may make potential driver look irresponsible and risky, which will make premiums much higher.
Location makes a difference when shopping for insurance as well. Living in a city will cost drivers five times more than living in suburban. Especially, those people who drive in NYC. It is important for driver to have more information when they shop around.


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