:::

Century 21 Car Insurance Information

:::
 




:::

Century 21 Car Insurance Articles

:::

10 Ways To Lower Your Auto Insurance

By Pete Lance

Nowadays, auto insurance is really expensive. A typical insurance policy can cost a few hundred dollars to a few thousand dollars a year. And the insurance rates you pay are hugely dependent on the insurance company or agent, your age, your car type, your driving record, and even the area you reside in!

You should never go without auto insurance though, despite the costs. Almost all the states require you to protect yourself with a minimum amount of liability coverage. Naturally, the bare minimum is not adequate enough for the average car owner. And as you add in additional coverage for your car, you realize that you will be paying a fairly large sum annually.

So, understanding auto insurance can actually help you to decide on a suitable insurance policy that won't vacuum clean your wallet! Here, we have gathered 10 of the best tips for lowering your auto insurance, by as much as 40%!

Always compare insurance policies. There are states which regulate auto insurance rates, but the insurance premiums can vary by hundreds of dollars for the exact same coverage. It is definitely worthwhile to shop around. The first thing you can do is to check with your state insurance department. They often provide information about the coverage you need, as well as sample rates from the biggest companies. You can also ask your friends or look up the yellow pages. Checking consumer guides and asking insurance agents can pay off as well. You can easily find out the price range for your insurance policy, as well as discover the lowest prices in town.

However, you should not be shopping based on price along. The insurance company should provide good service at the best price. Excellent personal service is available as well, and they provide added conveniences, although they cost a fair bit more. Ask the company how you can lower your costs, and also check their financial ratings. The rule of thumb is always to get three price quotes from three different companies, and pick the one with the best value.

It can also be a good idea to increase your deductibles. When you file a claim, the deductible is the amount you pay before the insurance company pays for the rest of the damage. A higher deductible on collision and comprehensive coverage can lead to a much lower premium. For example, increasing your deductible from $200 to $400 can reduce your premiums by up to 25%. However, you must ensure that you have the financial resources to handle the largest deductible when the time comes.

Remove certain types of coverage from your policy. Almost all the states require liability coverage for your car, but the rest of the coverage is probably dispensable. However, you do not want to be underinsured if you're in an accident, so it isn't advisable to remove all of your additional coverage. Optional coverage includes medical payments, uninsured motorist, collision, and comprehensive coverage.

Drop collision and comprehensive coverage for older cars. If you drive an older car that's worth less than $2,000, it's probably more cost-effective to drop collision and comprehensive coverage since you'll probably pay more for the coverage than you'll collect for a claim. You can find out the worth of your car by asking auto dealers and banks.

Make sure your credit report looks good. Car insurance companies often look at your credit history as there is a correlation between the risk to the company and your credit history. If you pay your bills on time and maintain a good credit history, you can enjoy lower insurance rates.

Drive less. Insurance companies often offer low-mileage discounts to motorists who drive less than a predetermined number of miles each year. You can use public transportation more often, car-pool with friends, and take the train or a plane instead of driving to another state. And you'll save on more than your coverage as you'll need to spend less on gasoline (of which prices are incredibly high).

Maintain a clean driving record. The company will give you a price break and you can save on your insurance policy after a specified period of a clean driving record. This means that you have no accidents, no serious driving violations etc, during this period of time. The simplest and surefire way to qualify for this discount is to drive carefully and defensively all the time.

Choose a low-profile car. Insurance rates vary among difference models of vehicles. Generally, sports cars and high-performance cars tend to cost more to insure, mainly because they represent more risk of theft and the drivers are often the people who drive more recklessly. Newer cars will cost more to repair or replace than older ones, so naturally they can more to insure. Low-risk vehicles include station wagons and sedans.

Ask about safety and security discounts. The insurance companies sometimes offer discounts on your insurance if your car is equipped with the following: anti-lock brakes, air bags, automatic seat belts, car alarms, tracking systems. These reduce the injury risk to you, as well as the chances of your car being vandalized or stolen.

Finally, ask about other discounts. You may receive a discount if you buy more than one type of insurance from the same company or if you insure multiple cars under the same policy or company. You may also receive discounts for taking a defensive driving course, staying with the same company for a few years, being a driver over 50, good-student discounts, and being an AAA member. If you already have adequate health insurance, you can also eliminate paying for duplicate medical coverage, thus lowering your personal injury protection costs by a substantial amount.

Free Quote Century 21 Car Insurance - Turn 21 today!


:::

Century 21 Car Insurance Featured Resources

:::


SEARCH RESULTS

Annuities: The Shocking Secrets Revealed
Discover The Shocking Secrets That Banks And Insurance Companies Don't Want You To Know.

Insurance Leads Generation
Generate Quality New Leads At A Fraction Of The Cost Of Offline Marketing.

Car Auction
From The Gov-Records.com Team!

State Car Auctions
Local Seized Cars and Real Estate Auction Listings


:::

Century 21 Car Insurance News

:::


2016 Miata Already Social Networking; A Mustang Auction
The 2016 Mazda Miata gets a ton of buzz on social media; Ford prepares to put the last of its limited edition Mustangs on the auction block; and the self-driving car saga continues.

No. 17 Virginia Tech suffers demoralizing letdown in 28-21 loss to East Carolina
BLACKSBURG ? All of the painful lessons about learning how to handle prosperity were supposed to have sunk in by now, but Virginia Tech still hasn't figured it out.

Windows to New Worlds
After 17 years of planning, fundraising, designing and building, the South Carolina State Museum?s new Windows To New Worlds project officially opens on Aug. 16. It includes a planetarium, 4D theater, observatory and an exciting and collaborative approach to education that can reach every school and give every student a chance to reach for the stars.

Warranty
Durhl Caussey writes a car column read around the world. He may be reached at this paper or dcaussey@sbcglobal.net. ]]> http://www.theepochtimes.com/n3/928813-2015-gmc-yukon-denali-4wd/feed/ 0 http://www.theepochtimes.com/n3/928829-2014-bmw-535d-bmw-diesel-done-right/ http://www.theepochtimes.com/n3/928829-2014-bmw-535d-bmw-diesel-done-right/#comments Tue, 02 Sep 2014 01:24:09 +0000 Jim ...

Louisiana Headlines
Sexual assault victims in East Baton Rouge Parish for years have gone to local hospitals for treatment and to be examined for possible physical evidence from an attack. But officials with the East Baton Rouge...

Auto news & reviews on saftey trends, new models and auto shows - KFDA - NewsChannel 10 / Amarillo News, Weather, Sports
Ford has revealed its first right-hand-drive Mustang, one of a handful of prototype versions that will be used for calibration testing in a handful of markets.

Court listings: Find out who has been sentenced in North Devon 22/08/14, 26/08/14, 29/08/14, 02/09/14
See justice served in North Devon. Richard Lloyd, 40, of Rackfield Court, Barnstaple, was given a 12-month conditional discharge and ordered to pay 15 after pleading guilty to stealing two candles worth 39.98 from Clinton Cards.

Community Calendar
Submit your event at least two weeks in advance by going to events.savannahnow.com. You can also mail to Community Calendar, P.O. Box 1088, Savannah, GA 31402. Announcements are printed daily in the Accent section as space allows.

4-year-old boy struck by tombstone still critical, ruled accidental injury
Colonie Investigators have ruled out criminality in the case of a large tombstone that fell on and critically injured a 4-year-old boy as he and his 2-year-old brother walked a short distance behind their mother and adult family members at Albany Rural Cemetery Sunday. "Nothing here is intentional or criminal," said Colonie Police Lt. Robert Winn. "Whatever took place is a tragic accident. " The ...

West Volusia Calendar of Events: Sept. 13-20, 2014
Saturday, Sept. 13 Friends of the Astor Library Book and Yard Sale 8 a.m.-noon at the Astor Public Library, 54905 Alco Road. Proceeds will help support the library and the children?s programs. Call 352-759-9913. Farmers Market 8 a.m.-1 p.m. at Gateway Center for the Arts, 880 North U.S. Highway ...


:::

Century 21 Car Insurance Blogs

:::



Google


 

Best Sellers from



GatorDocs

Lighting 2 Light Bulbs



Want to Link to Us?

Link to CarInsuranceHunter.com