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How To Lower High Car Insurance Rates

Introduction

Purchasing a high car insurance policy can be either your greatest blessing or your greatest regret. It can be your protection in an extreme circumstance so make sure you choose wisely. Take the time to read this article, and it will offer you some tips on choosing your next high car insurance policy.

Being a careful driver can really save you money on insurance. Obviously, insurers would rather insure good drivers and will provide lower rates for good drivers, but did you know that causing an accident can make your insurance rates nearly double? It is abundantly clear that driving safely is one of the best ways to keep your insurance rates low!

Step 1

If you are trying to save money on high car insurance you should look at the deductibles available to you and how much of a difference a high deductible makes in price. Go with a high deductible if you can because this will save you money on your insurance premium.

Step 2

When trying to get the most affordable high car insurance policy possible, you should consider only having one car in your household. If you or your spouse work from home, then you both only really need one car. By doing this, you could potentially save yourselves hundreds of dollars per month.

Step 3

Know your annual mileage before you speak to a high car insurance representative. You don't want to be tempted to guess the number during your conversation. The amount of miles that you drive per year is a large part of what is used to calculate your premiums, and typically the less miles that you drive, the lower your rate.

Step 4

A great tip for getting affordable high car insurance is to know all of your state's minimum coverage requirements. These requirements can be found on your state's insurance commissioners site. Understanding these minimums that you must maintain will give you the knowledge that you need when negotiating an high car insurance policy.

Step 5

Use the Internet when shopping for high car insurance. Many companies now offer sites where you can plug in some information and get an instant quote. Some brokers are even available online who can shop multiple companies for you. Shopping on the internet saves you time and keeps you from having to talk to pushy sales people as well.

Tips

If you have any anti-theft devices installed in your car make sure to let your high car insurance company know that you do. Insurance companies believe that theft deterrents make your car less of a risk when it comes to being stolen, and they may give you a discount because of it.

Keep a camera in your car at all times. In case of an accident, you are going to need documentation for your insurance company. Take photos of the accident from all angles, and make sure to include time and date stamps on them. Take these to your agent when you file your claim.

The decision of settling on high car insurance policy is not one to be taken lightly, because if you pick a less than perfect policy, Murphy's law would have it that you will not be fully covered. Make sure to get the right fit, and you'll be protected in case of an emergency. 

By Rodel, published at 03/15/2012
   Rating: 4/5 (11 votes)
How To Lower High Car Insurance Rates. 4 of 5 based on 11 votes.

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