NEWS FUSE

Ask about discounts auto - safety
Your insurance agent can tell you about the discounts available if you have certain safety features in your car. Many insurers offer discounts for air bags , anti-lock brakes , car alarms and more.

 Ask about other discounts auto insurance
There are many discounts out there, and often vary by state and insurance company . Ask your agent review available discounts to see if you may be missing something . Common discounts include:
Insure more than one vehicle
Being a good student
Following the same insurer for a period of time
Taking a defensive driving course ( if you have 50 years or more )

Buy other insurance company car insurance
Many auto insurance companies will give a discount if you buy two or more types of coverage they called clustering. Common policies are included with the car home insurance , motorcycle insurance , boat insurance and RV insurance .

 Ask about affinity discounts
Sometimes, car insurance policies discounts are available through large employers , professional groups and other organizations.

Maintaining a good credit
Many states allow credit history to be used as a factor in insurance pricing. Insurers say that statistics show that drivers with good credit history tend to make fewer insurance claims.

 Consider spy on your teen driver
Some insurance companies offer discounts to customers who participate in their " monitoring programs " for teen drivers. Programs vary by insurer , and not all companies offer them . Some programs of "spying" using cameras installed inside the car, which will provide video and audio of your driving teenager. The camera is turned "on" by aggressive driving .
Other insurers use global positioning systems (GPS ) to track how teenagers units ( including speeding and sudden breaking or acceleration ) and where they go . You can even set the system to send an email or text when your child comes to a specific address . The insurance savings can be anywhere from 10 to 15 percent.

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We are always looking for ways to save money on auto insurance . These are the best ways to reduce your bill.
Compare prices
Car insurance rates vary greatly from one company to another . Get auto insurance quotes from at least three insurance companies. But given only at the price: Look at the reputation of the company , their customer service and the type of coverage and discounts offered.

 Ask for higher deductibles on collision and comprehensive coverage
If you file a claim under collision or comprehensive coverage , the deductible is the amount of money deducted from the security check . Higher deductibles mean lower premiums. For example , increasing your deductible from $ 250 to $ 500 on collision and comprehensive coverage can save from 15 to 30 percent. The increase is $ 1,000 you can save up to 40 percent or more , according to the Insurance Information Institute ( III ) . Just make sure that you can pay in the event that you need to make a claim .
No deductible liability insurance.

Drop collision and / or comprehensive coverage on older cars
If your vehicle is totaled in an accident, you receive the actual cash value of the vehicle. Although auto insurance companies use their own criteria for determining the fair market value of the vehicle , you can get a rough estimate of the NADA Guides . For older cars , it may not make financial sense to pay premiums for many years to maintain collision and comprehensive coverage. As a rule, there is no point buying a comprehensive and collision coverage for a car worth less than $ 1,000 , according to III .

Buy a car that is cheap to insure
The past claims history affects their vehicles secure future. If drivers of a particular file or frequent expensive vehicle claims , insurance rates for all units of that model will go up. Tool car insurance comparison Insure.com ' s allows you to see the average premium for hundreds of new models.

Take advantage of low mileage discounts
Some insurance companies offer discounts to drivers who put fewer than a certain number of miles on their vehicles each year.

 Consider the usage-based insurance (also known as Pay As You Drive)
Programs usage based insurance (UBI ) , you can save money if your driving habits are aligned with the view of the insurer to " good conduct . " Normally a telematics device is connected under the steering wheel and records data as example when driving , how much and when braking. Usually, the discounts are then applied to the next term of the policy . If you drive a lot, drive at night or prone to slamming on the brakes , UBI might not save you money.

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If you lose your job , take a pay cut or find other financial difficulty , affordable auto insurance quickly becomes pleasing to the need . While it is fairly easy to find companies that offer car insurance discount, is that the best way to go ?

Not really, according vigilant consumer and auto insurance experts . To find the lowest rates of an insurance company that will be there when you need it, learn what type of coverage you must carry , investigate the reputation of the insurance companies and take advantage of all possible discounts for which you are eligible , according to experts. They also recommend reviewing policies of pay-as- you-drive linking premiums to the amount of miles you put on your car each year. Finally , if you are eligible , look at the auto insurance programs for low-cost states like California, Hawaii and New Jersey offered to people with very low incomes.

When it comes to buying affordable auto insurance , you are your own best advocate . At the same time , not always easy to assume that role, says J. Robert Hunter , former Texas insurance commissioner and director of insurance at the Consumer Federation nonprofit United States in Washington. Do not settle for the first insurance company or agent to find , says Hunter . Around the store . "This is how large insurance buyers do," he says. " I took the competitive bids . That's what you should do , too.
In the next article I will explain you the steps to obtain affordable auto insurance.

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