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Get Better Car Insurance For Less Posted by Cole J on Saturday, January 15, 2011 · Leave a Comment

It takes time looking for the best auto insurance policy at a price that you can afford. There’s no point in throwing away money toward a discount policy that doesn’t cover you well. How much are we willing to risk is the question. If your car is worth over $5,000 do you really want to go with a liability policy with no collision or comprehensive?

Just to be clear, liability coverage will only pay for damages or injuries you cause to others during a collision where you are found to be the negligent Driver. With liability only your vehicle will not be covered. However, if you have collision and comprehensive coverage on your policy, the insurance company will cover your loss regardless of fault.

Listed below are a few ways you can begin saving more money on the better auto insurance you need at a price that fits within your budget.

• Buy insurance with the same company. In many cases, not all but many, you will find the discounts to really work in your favor if you buy your homeowners or renters policy with the same insurance company you buy your car insurance through. Some companies go as far providing additional discounts for having both a renters or home policy and life policy along with your auto insurance carrier. For putting all your insurance with the same company, that company will give the lowest rate they can offer.
• Anytime you get a ticket or moving violation, look into the rules within your state. Most states will allow you to take a driving course which will keep points from going on your record. A few points can jack your premium up hundreds. Many drivers often find themselves shopping for car insurance after a ticket or accident due to the sudden rate change.
• Take into consideration what you are driving. I know if you already own your vehicle there’s a slim chance you’ll trade it in because of the cost of insurance. If you happen to be shopping for insurance just keep in mind what insurance companies like to insure for less. Insurance companies like vehicles with safety features and tend to avoid offering low rates to those driving larger SUVs and sports cars. You’ll also find that some sedan models find their way into the sports car classification if stocked with a turbo charged engine or high performance engine. Insurance companies use reports to determine which cars are found to be in the most collisions and the average claim amounts made by owners of that vehicle.

The task should be to get the car insurance you need at a price that’s right. Insurance is protection from financial loss. One of the best ways to get lower rates without sacrificing needed coverage is by simply shopping around. Insurers rate shoppers differently. By shopping multiple companies and find the best insurance solution and save as much as 40% on your auto insurance cost. Begin a comparison quote today to see how much you can save.