22 Hot PiggyBob™’s Car Insurance Tips
1. Take action: Six things you can control to optimize car insurance discounts are where you live, driving record, vehicle, accident claims, credit rating and occupation.
2. Keep it personal: Work-related driving generally results in higher premiums than personal driving, so you might save by not using your car for business purposes.
3. Drop comprehensive or collision: For lower auto insurance quotes, consider dropping comprehensive/collision coverage; Cars worth under $2,000 are usually easier to replace than repair.
4. Beyond personal: Today, many top online insurance providers will give instant not only for personal automobiles, but also for business vehicles, RVs, motorcycles and boats.
5. Know the basics: Reduce car insurance quotes by offering to pay a higher deductible—the amount you pay before insurance covers payments for a claim.
6. Three steps to the best auto insurance deals: shop around and compare prices, consider a higher deductible, and be sure to ask about available discounts.
7. Be ready: know the deductible you hope to pay, the type of car you drive, your driving record, and any safety or anti-theft devices installed.
8. Drive right: insurance cost is one of the most important factors to decide before purchasing an automobile, as vehicle type will greatly affect coverage costs.
9. Compare everything: the sheer amount of competing car insurance firms makes online shopping simple, and it can literally save you hundreds of dollars a year.
10. Compare options: Because there are so many companies competing for car insurance policies, it’s truly a buyer’s market; make sure a firm EARNS your business.
11. Save time and gas: The days of visiting insurance offices are over; let your fingers (and modem) do the walking by comparing multiple providers online.
12. Find out fast: Today, most top insurance providers offer quick online quotes; within minutes, you can see an accurate range of what you’ll likely pay.
13. Why switch? There are several reasons you might seek new insurance quotes—changing jobs, dissatisfaction with current service, or simply shopping around for savings.
14. Compare quickly: The Web features many car-insurance sites that allow you to quickly compare quotes from multiple third-party providers; it’s an objective way to shop.
15. Provide details: Avoid higher “default” car insurance rates by providing information about your ZIP code, marital status, car’s safety features and annual commuting mileage.
16. Reduce deductibles: If you’ve had a policy for a long time, you might not consider changing your deductible, but it can greatly reduce rate quotes.
17. Drive carefully: Being a safe driver is the best way to save on car insurance. Accidents and tickets have a direct, lasting effect on premiums.
18. Drive safely: Install safety and/or anti-theft devices in your vehicle; cars with less chance of loss reduce your risk profile and cost less to insure.
19. How much? Consider the state-required minimum coverage, what it covers, other coverage available, whether you can you afford it, and what exactly you’re protecting.
20. For all 50 states: Free online insurance quotes are available for all 50 states; just enter your ZIP code, and you’ll be insured within minutes.
21. Be thorough: With so many companies offer quick, easy online quotes, it pays to compare as many quotes as possible before committing to a policy.
22. Four questions: Most free auto insurance quotes require only ZIP code, insurance status, valid driver’s license and two or fewer accidents in the last three years.
Article by Nakagava Ltd., creator of PiggyBob™, the first truly user friendly personal finance software with a free calendar. PiggyBob™ is an extremely convenient tool to help you keep track of your personal budget, plus a very useful event recording calendar to record all important events in your life. All the data you record in PiggyBob™ can be handily visualized in graphs.
November 10th, 2006 at 7:08 am
[…] PiggyBob has 22 tips for getting the best car insurance possible. Many of his auto insurance tips seem like common sense, but they always bear repeating. For instance, it is important that you get a variety of auto insurance quotes, and you should know that it costs more to insure your car if you drive it for business matters. Yet there are also items listed like when you can drop comprehensive or collision coverage (when your car’s value goes under $2,000) and understanding when it is better to increase your deductible. […]