Don't just buy the first insurance policy that you see; take the time to look at everything that is available to you. There are different formulas that every company uses to determine your insurance premium. You can save a good deal of money by consulting with several competitors.
Your insurance premium will be dependent upon the brand of car, SUV, truck, ATV, boat or motorcycle you buy or lease. The mileage, make, model and year of the car will determine how much your insurance bill will be. Depending on your taste in vehicles, from a luxury model hybrid to a beat up gas guzzler, your insurance premium will reflect that taste. If you want to save money on insurance, choose a safe, modest vehicle.
Carpool or take public transportation. Insurance companies love it when a consumer shows responsibility, and lowering your mileage is one way to show this car breakdown insurance to them. Try to use public transport more often, and you may be eligible for a discount.
The person who drives the car on the car insurance policy is the only one being insured - you should always remember that. If you let a friend use your car and they get into an accident, chances are your insurance will not pay. If you do lend out your car, it is probably a good idea to purchase coverage for extra drivers, though this will cost you more money.
After market additions may be fun and something great to have on your vehicle, but they are also expensive and sometimes really not essential, so always make a wise decision on whether or not you wish to purchase these types of things. Custom rims and a top of the line stereo system are not really necessary for your car. If your car should happen to be stolen or totaled, those cost of those additional items will not be covered.
Consider getting a car that is not so sporty. It is more expensive to get car insurance for sports cars. Try a car that isn't so high-profile. The larger the motor is in the vehicle, the more that it is going to cost you to insure it. Sports cars are at greater risk of theft, which further raises the cost of insurance.
Don't get caught without auto insurance today! Having auto insurance can protect your finances, should you be in a car accident. The tips you've read in this article will help you find the auto insurance you need.
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