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[http://www.scribd.com/doc/155616989/CA-Auto-Insurance-California-Drivers-Can-Stop-Overpaying-
for
-Auto-Insurance Click here
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We have included some tips about auto insurance to help you choose the best plan
for
you
.
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Shopping
for
car
insurance
can be quite
a
process. It doesn't have
to
be difficult, but
you
do need to understand some basic concepts, so you can find
a
good deal
on
the right kind of insurance
.
These hints should help you buy a good
policy.
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Before purchasing insurance, shop around
for
the best price. Every
insurance
company will use
a
different formula
to
give
you a
price, usually based
on
your driving history and answers to questions
.
You will find the
policy
that is most affordable and best suited to you by checking into policies from several different companies
.
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The kind of vehicle
you
decide on will
be
a huge factor in the cost of
insurance.
Insurance companies charge higher premiums for that high end luxury model
you
love so much. Choose a
vehicle
that
's
safe and modest to receive the lowest insurance rates
.
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When
you
are considering accessories for your car,
be
sure to consult your
insurance
agent in regards to how these accessories will affect your coverage
.
Even though purchasing rims can put
you
$1,000 in the hole, they will only increase your
vehicle's
value by $30. This investment will be lost if your vehicle is stolen
.
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If you
are shopping
for car
insurance
,
it's important to understand the different types of coverage. If
you
are just getting insurance on one car, there are still many things
to
consider
.
If you cause an accident
that
results in the death or bodily injury of another person
,
bodily injury liability insurance will protect
you
financially
.
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If you
want to purchase additional items
for
your
car, you
should talk with your agent
to
ensure these things will be covered in your current policy
.
You might buy some classy rims
that
retail for a thousand, but if those rims only increase your car's value by $30
, you
'll be out the other $970 should something happen to your car
.
-
Figure out what kind of
insurance
coverage
you should have
for your car.
While
many
insurance
options
are available
,
some do not make sense. You may want to fork over
a
little extra for collision coverage
if you are accident prone.
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Figure out what kind of coverage
is good
for
you and
your car
prior to seeking an auto insurance policy
.
You will have
many options,
but
a
lot of them won't pertain to you. On the other hand,
if you are accident prone
, paying for collision coverage may be a good idea
.
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Sharing a car between various members of a family can make
your
auto
insurance
premiums go up
.
To get a better insurance quote
, only
have one name on each car
.
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Sit down with
your
car
insurance
agent to prove that you are correctly covered before personalizing your car
.
When purchasing extras for your car like stereo systems, it doesn't matter what price you paid
, only
what the appraiser is willing to value them at
.
-
Remember that the annual cost of
a car
insurance policy is just one factor of many that must be considered. You should also examine items in fine print
to
find your deductible levels and benefit limits
,
if you should
have
an accident
.
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If you own
a
sports
car
, consider downgrading it
to
another model. People who purchase sports cars end up paying higher premiums. Pick a small
,
less flashy, economical car. In fact, cars that
have
larger motors are more expensive to insure. Sports cars are a hot target for thieves, and this can drive up your premiums significantly
.
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Consider removing some of the coverage from your insurance policy that you no longer need. For instance, if you own an old vehicle which
is
not very valuable, you may not need
to pay
for collision
insurance.
Lose the extra benefits of
your
insurance policy and you'll save money
every month.
Consider removing comprehensive and liability from
your
policy
.
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It
is
better
to pay
your
insurance
in one lump sum each year rather than paying monthly installments
.
Your insurance agency adds monthly fees to
your
bill, usually around $5
every month.
It may not seem like much, but it adds up quickly. It is also a time consuming task when taking into account
your
other bills. The less payments you have to make, the better
.
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Even if
you
are certain you would like to change automobile insurance companies
,
it is smart to maintain your current policy until
you
have secured the next one
.
You do not want to be stuck without
auto insurance,
even if it is only for a few days because auto accidents can happy at any time
.
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By subscribing to a bundle package of the insurances
you
need
, you
will save money
.
Search for these types of offers, especially those that bundle
auto
and homeowners
insurance
. To ensure you get sufficient coverage and still pay low premiums
,
you might be better off with two separate policies
.
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If
you have
a decent car and some assets that need protecting
,
try 100/200/100 level coverage
.
You must
make
certain your insurance policy meets all state minimum requirements
for
liability coverage
.
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Make your deductibles higher to reduce your premiums. While this means more money spent up front if
you
are
have
an accident
,
it will save money on your premium
.
In order to
make
this strategy work, you should set aside enough money
for
the deductible in case of an accident. You will have a lower premium if you have a higher deductible
.
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Obtain a record of discounts your provider offers
,
and thoroughly review it in search of discounts for which
you
qualify
.
You may be shocked at how much
these
discounts can lower your insurance bill.
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Consider subscribing to bundle insurance
,
as this can often save
you
money
.
Search for
these
types
of
offers
,
especially those that bundle auto and homeowners
insurance.
[http://www
.
docspal
.
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There you should be able to find the "consumer complaint ratio" for many, if not all,
of
the licensed insurance providers in the state you live in. These statistics include consumer complaint ratios
,
which should give you a good idea of how well the company serves its customers.
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The price of
insurance
coverage varies from person to person
.
The reason for this is not simply due to different cars, or even different driving histories
.
There are some who get even better coverage for a smaller investment. You, too, can get great rates if you learn the ins and outs of auto insurance premiums
.
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