Cheap Auto Insurance by Damsonia

Tips for Cheap Auto Insurance

Some time back, calculation of automotive insurance policies were based on variables like car model, age of the insured or his driving experience. Currently, there are a number of variables to be considered before insuring a car. These variables will help the insurance company and the insured in calculating the premium. Insurance policies held, credit history, security, payment types are examples of variables that are put into consideration. A person wishing to take up an insurance policy should take advantage of these cheap auto insurance. Below are tips on how a person can get a competitive quotation:

• Taking a dual policy will help an individual save a lot of money. It is not wise to ensure an automotive with more than one insurance company. Most insurance companies do not offer more than 15% discount, which is very fair, therefore it would be pointless to insure a property with more than two companies.
• People should consider taking a 12 months insurance policy and not a 6 months one, as most people do. A 12 months one attracts good premiums and the discount allowed is more as it is like an award given for staying committed to that company. A 6 months one has little discount and the premiums paid are more.
• An individual should also consider installing security devices in the car to act as an anti theft equipment. He can install an alarm system in the vehicle, an engine immobilizer, and also a LoJack tracking system. Installation of the equipment is not costly, and it will reduce the amount of premium that had been quoted.
• It is also an advantage to those who drive their vehicles for sort mileages. Those who drive to and from work, or go pick their children from schools have their premiums very low and are offered great discounts by the insurance company. Insurance companies offer great discounts to those individuals who take up policies for vehicles driven within less than 7500 to 14000 a year.
• Setting up an electronic payment can help to save money. This transfer payment is done through the bank account of the insured and paid direct to the insurance company. Most insurance companies prefer this kind of payment as it makes things easy for both the insured and the company.
• A person should ensure that his car is always parked in a safe place. He should ensure that he has a garage in the compound where the vehicle will always be parked safely. He should not be fond of parking the car out in the streets at night where it can easily be stolen. Car safety is very important during insurance application because the higher the level of safety, the lower the premiums.
• A person wishing to take up an insurance policy should ensure that he is mentally fit to drive the car. He should not have cases drug abuse or other mental illness that are not under treatment. Having these conditions will cause the insurance company to either charge more premiums or refuse to offer insurance.
• The individual should also ensure that the company is not offering safety equipment that is locked during the night. This will causes inconveniences in case the automotive needs to be used at night maybe if there is an emergency. It is therefore, important to get the correct terms and conditions before taking up the policy.
• Also, an individual should get to know if there are discounts offered for locks being bought from the insurance company. This is because there are some companies who offer discounts for products from specific manufacturers and not all. This will help him save money by buy or fitting security gadgets from the specific manufactures.
• It is also not advisable for an individual to only depend on price. A person can get a cheap plan but from a company that is not trustworthy. In case there is a need of compensation, it will not be able to compensate for the whole loss and this will put the insured into more problems. Look at the quality of service first before going for the price.

The above tips will help somebody get cheap auto insurance. It is not easy to get an affordable insurances company that can be trusted. In search for the company, the above tips should be at the fingertips, and the best insurer will come on the way.

Posted in: Car Insurance