Getting car insurance at affordable rates is like winning half the battle. Not many people know that there are various ways in which they can lower insurance premiums. More often than not, discounted rates are available for old and antique cars. Also, if your car has certain safety features that insurance company does not know about, telling your insurer can help you lower your insurance premiums. There are several ways that can help you get the best insurance quote, starting with doing a VIN check. To give you a heads-up, here are five expert tips to help you secure a good car insurance deal. 1. Provide Vehicle’s VIN Number An insurer can give you a better insurance quote, if you provide vehicle’s complete description. VIN check is a foolproof way to know about vehicle’s installed safety features. Some of these safety features can help lower insurance rate since a safe vehicle is likely to incur less damage. So, make sure you to get a car VIN check and provide the number to your insurance provider. 2. Enhance your Credit Score Car insurance providers consider driver’s credit score as a reliable indicator of their probability to make a claim. Insurance companies often take into account car owner’s credit score to decide insurance premium. Improving your credit score is a great way to lower your policy rate. We understand that improving the credit score takes time, therefore, suggest you to start working towards improving your credit score, from today. 3. Pay for Minor Repairs Yourself If your insurance policy covers every damage and is comprehensive in terms of providing compensation for a variety of collisions, you need to carefully weigh every claim. Making too many claims, especially for minor repairs, can make the car insurance company raise your rates or even decline renewing your policy. It is better to pay for minor repairs yourself rather than claiming them. 4. Vehicle’s Make or Model’s Safety History Certain vehicles appeal to certain age groups. As young drivers are more prone to accidents, insurance companies can include additional charges for a vehicle which is popular among young people. Even car thieves target certain vehicles more often compared to others. Such vehicles can have higher insurance rates. So, it is advisable to install safety devices in your car, such as immobilizers, which can help you get a decent discount on your insurance premiums. 5. Combine Car Insurance with Home Insurance When buying a car insurance it helps to combine it with other types of insurance. You can combine your car insurance with home insurance. This helps in saving money on both. Buy such a combo insurance from a single company to consolidate everything into one, rather than paying different companies for different types of insurance. Wrapping Up When you begin your search for an insurance provider, it is important to provide accurate information to get the right quote. Providing a car VIN number that comprises the information about your car’s year, model, standard features, and optional packages can help you get a lower insurance quote. Last but not the least, read the fine print before signing on the dotted line.
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AuthorWilliam Norberg has more than 15 years of experience in the automobile industry. Mr. Norberg is a strategist, evangelist, consultant, project manager and implementer. He has experience with enterprise in software manufacturing in automotive sector. ArchivesCategories |