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the cost of your auto insurance premium depends on many factors. Some of these are within your control (your credit history and the type of car you drive), and some are not (such as your age and where you live) . If you follow the guidelines in this article, you can use your insurance premium as low as possible.

Shop Around - should you have multiple offers, before you agree to any insurance contract. Get direct quotes from the big companies and their representatives. You should also find some quotes from online sources, and perhaps even speak to independent insurance agents who represent several companies. With a sampling of insurance offerings, you have an idea of what you can expect your insurance premium cost. But do not decide on price alone. You should research each of the companies that you are considering. Find out such things as: they have a local office in your area, what is its procedure for filing a claim, they have a reputation for strong customer service or are they known for their hard work, and there are a significant number of complaints with state insurance. In addition to implementing your own research, you can contact independent rating agencies like AM Best, Fitch, Standard & Poor, white, and Moody's. These companies evaluate the financial strength of insurance companies. Here you will find the respective websites by using an online search.

The company with the lowest rate probably not the company with the best service and the easy method for registering a claim. It is up to you to determine what is most important when purchasing your car insurance.

When buying a new car, insurance premiums, to compare before you buy. The difference between insurance premiums can vary drastically from car to car. So, before you make a heart on a specific brand and model, you should compare insurance on several cars that are similar to the one you want. Maybe you'll find the car you are in love with a much higher insurance premiums as another model.

Higher deductibles - the higher the deductible you choose, for any form of insurance, the premium is less than specific costs for the year.

Use the same insurance for all your insurance - insurance companies give discounts if you have multiple forms of insurance from them such as Life Insurance, Auto Insurance and Home Insurance.

Low-mileage discounts - Most insurance companies offer discounts to motorists who drive less than the average number of miles on an annual basis. This is especially true for antique car collectors items or politics, usually the insurance programs specifically designed for Low-Mileage use.

Unless there is an antique, do not buy collision or comprehensive - if you have an older car and its cash value is low, it might be a good idea to COMP and collision policy as a whole. Unless the value of the car to justify the payment for the high premiums, it is much cheaper to simply dispense with this particular insurance options.

Safe driver discount - There are insurance companies that are specialized in the discount policy for a safe driver. If you have an impeccable driving record, you should take from these insurance companies, which reward good drivers.

Inquiries on discounts - Some discounts are not always known, and the only way you will learn to ask about them. Some of these discounts are: students with very good grades driver, anti-lock braking systems, low annual mileage, driver, the 50 + years old, no accidents in 3 years, no moving violations in 3 years, higher deductibles, multiple car discount , daytime running lights, anti-theft device. This list is not exhaustive. You should ask your insurance professional, if there are any discounts that may apply to you.

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