4 Reasons Reshop your car insurance

If you do not compare auto insurance rates lately, give it a try – there is a good chance that you can lower your premium. Sometimes, insurance companies will raise interest rates across the board, even for a spotless record driver, sometimes a change in your situation will lead to the peak rate. You can save to another insurance company by jumping.

1. You ignore the GEICO gecko. When you reshop your interest rate, try www.iiaba.net independent broker, get a quote, or contact the insurance company directly, such as in www.allstate.com, www.geico.com in www.insweb.com, www .progressive com or www.statefarm.com. Before you switch, you can see how much (can save you from $ 250 to $ 1,000 deductible collision pushing 20% ​​or more) by increasing deductibles to save.

2. Do you have a speeding ticket or an accident. In most countries, tickets, and the unexpected failure three to five years to stay in your driving record. Long-term customers with good driving record may not be obtained in all interest rates. However, many insurance companies to check motor vehicle records every 12 or 18 months, so a speeding ticket can increase your speed long after you pull over,

If your rate does rise – especially if your policy is cancel – shop around immediately. Forward-looking insurance companies will pull your record, but some insurance companies less concerned than others events. And when an accident or ticket off the motor vehicle records, ask your insurance company to remove the surcharge, then reshop your strategy.

3. Do you have a teenage driver. , a new teen drivers increased by an average of 58% of the two-car family car insurance bill, according to Insurance.com. Some insurance companies charge more for young people, so when your child starts driving it to shop around. “An insurance company’s rate of young drivers up to four times the other person’s,” Michael McCartin, in College Park, MD independent brokers said.

You will usually get the best deal by keeping your teen to your auto insurance policy – even if your child is that he was assigned to the main driving force of the vehicle. If you have the same homeowners insurance coverage you will benefit from multi-channel and multipolicy discounts. Your child may also inherit other discounts – for example, travelers, children get a safe driver discount, if their parents hepatitis E five-year clean driving record – and most insurance companies offer a breakthrough to 15% for the grade point average of 3.0 or higher. If your children go to college more than 100 or 150 miles away without a car, you can qualify for a generous discount. (Learn more about teen drivers to cut insurance costs.)

4. You buy a new car. There are great differences in the cost of insurance can record security and theft of the car and fix it. Compare premiums from several competitors you make the final decision. A InsWeb study found that from Azerbaijan Maradona, Mazda 5, the Ford Escape and Hyundai Santa Fe is to ensure the most expensive, and the Acura ZDX, Audi TTS, Audi A5 and Cadillac Escalade is the most expensive (see 10 the cheapest car insurance insurance).

Brad çooper, InsWeb, noting that the vehicles, the lowest cost, to ensure that there can be other factors to keep premiums low. For example, a medium-horsepower four-cylinder cars are generally cheaper than the six or eight-cylinder car with assurance.