Car Insurance Secrets

car insurance secrets
Everyone wants cheaper auto insurance. Paying your insurance bill is down there on the to-do list with paying your taxes and going to the dentist. It is also unavoidable if you drive a vehicle. Although you can’t control insurance laws, you can decide on the type of policy and insurer you buy from. This is where car insurance secrets come in.

Lots of people are skeptical on whether it is really possible to get cheaper auto insurance. Other people know that getting lower coverage is possible; they just don’t know how to go about finding it. Before you get your checkbook out and write a 6-month premium check, you need to know about your options. Remember, you do have a choice when it comes to buying cheaper auto insurance. All it takes is a little knowledge and some persistence on your part. Let’s go over two basic secrets that you can apply to get your premiums lowered quite a bit and save hundreds with direct to consumer pricing.

Raise Your Insurance Deductible

This is probably the easiest way to get a quick 10% off your auto ins policy. It only takes a couple of minutes, but there are some stipulations to be aware of. Insurers will give consumers lower rates with a higher deductible for several reasons.

The first is cost
When you raise it up, you are agreeing to pay a greater amount of the claim costs. Let’s say a minor crash does $3,000 in damages. If your deductible is only $250, then the carrier would be liable for $2,750. However, if it’s $1,000, then the car insurance company will only be paying out $2,000 in repair costs. These savings are then past down to you in the way of lower premiums.

The second reason why high deductibles save you a lot is driving behavior
Stats don’t lie and those drivers that have high premium plans tend to get into fewer accidents. Why might you ask? Well, it is pretty simple. If you’re aware that in any minor accident, you will be forking out $1,000 upfront, you are going to drive safer. It’s just that simple.

Insurers have decades of claim data to back up this fact
So there is an inherent upside to high deductibles, safety. This one secret tip can save you $100 or more per year. Some people have been able to shop around and get a high deductible policy that saves them $200 and even $300 per year. See what savings are available with a quick quote from good to go auto insurance on-line.

Three Basic Types of Auto Insurance Coverage

An auto insurance policy has three basic types of coverage. These are liability, collision and comprehensive. When you buy a liability only policy, there is no deductible. Liability insurance is the minimum mandatory coverage in just about every state in the U.S. A liability only plan will cover the expenses related to an accident, when you are determined to be at fault for the damages. If you decide to get broader coverage, with collision and comprehensive added on, you will have to select an individual deductible amount.

Some policies will allow you to buy up to a $2,000 deductible
In this case, you could be saving $300 per year or more. Remember the terms though. If you do get into a collision and file a claim, you will be required to fork out this amount. That means if you get into a minor crash that does only $4,000 in damage, you still have to pay the $3,000 upfront.

Quick tip:
If you buy a high deductible policy, always save the amount and don’t touch it. Auto accidents can happen at any time and you need to be prepared. You are not required to carry comprehensive auto insurance by law in any state. You are only required to carry the state mandated liability amounts, which includes liability for property damage as well.

Shop on the Web for Direct Auto Insurance Pricing
Shopping direct online for car insurance is something that everyone should be doing. Why might you ask? Well, even if you don’t buy a policy online and choose to go through a broker or agent, you can get a good average price for the type of policy you need. There are so many people that feel guilty or ashamed in canceling their policy when they find a lower rate on the web. Do not let this happen to you. If you find a cheaper rate with solid coverage, go for it. Insurance companies have departments that deal with cancellations all day long and they will know what you are calling about, so don’t worry.

So where is a good place to go for direct rates?

Shop at sites like good to go insurance that will provide you will several quotes to compare. The quote is free and there is no obligation to buy anything. You can also qualify for secret car insurance discounts that you might not have heard of before. Get started today and get cheaper direct rates online.