If you are a good driver, with no history of moving violations or filing of claims, there is no reason why you should be overpaying for auto insurance. A careful driver who can demonstrate that he or she is a responsible person can receive a variety of different discounts on auto insurance. This varies from one company to another, so it pays to shop around.
Auto insurance is the policy that covers your vehicle and your legal liability if the vehicle becomes involved in an accident and you are legally responsible for injury to another person or their property. It is an unfortunate fact that in most states you cannot get an automobile license renewed without proof of insurance on the vehicle. This law only serves the insurance companies – not you.
But, there is a major reason why you would want to insurance on your vehicle: Legal protection.
Analyze different proposals from a variety of insurance companies to find the best deal. If you are a good driver with no history of accidents, traffic tickets or claims, you may not want to go with the discount auto insurance companies which attempt to provide low cost insurance for everyone.
Don’t just compare quotes, but examine the insurance company’s reputation and the quality of service they provide. Look for a reputable company and find out what discounts are available to you as a good driver as well as other discounts.
Insurance companies call good drivers “preferred risk drivers.” You may fall into this category if you are over twenty-five years of age, have had your drivers license for five years or more, have a good driving record for a set number of years, good credit and no criminal convictions.
Depending on the insurance company, you may also find there are discounts for people who are low-mileage drivers, who drive a short number of miles to work, who have anti-theft and security devices on their cars, who are not smokers and those who have professional licenses and degrees. They may also offer discounts for multiple cars or a house insured on the same policy.
Online quotes are a great way to gather initial data about an insurance company, but before you decide on an auto insurance company call them on the phone and ask them questions. See what kind of professional service you get upon initial contact. And, ask them what kind of discounts they offer.
Buying auto insurance is an important decision – even if you never end up making a claim. Choosing the wrong auto insurance company can cost you hundred of dollars every years.