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Auto Insurance Advice That Any Consumer Can Use

By Expert Author: Ronnie Lester

Your auto insurance policy doesn't just protect your car. It also covers you, as well as other drivers, in case of injury. Carefully check the actual coverages in a policy before you buy. Your financial security can be threatened by inadequate coverage in case of an accident. The following tips will maximize your auto insurance experience.

Check insurance rates for different car models before you go car shopping. An insurance agent can let you know which models have the lowest rates. Knowing the amount of insurance you will need to pay ahead of time can help in your choice of a new or used car. You'll save a good amount of money if you buy an automobile that carries an excellent safety rating.

Sit with your agent prior to personalizing your car to make sure you have the correct amount of coverage. Expensive additions to your vehicle will increase your personal value for the car, yet may not increase the appraised value much, if at all.

It is commonly believed that car insurance rates will always drop when a driver turns 25 years old. Actually, rates start dropping around age 18, so long as the driver has a solid record of safe driving.

To keep your insurance rates low, pay on time and never allow your auto insurance coverage to lapse. If you keep switching insurance policy providers, your coverage will lapse, and rates will increase. An insurance company will raise your rate if they notice these gaps.

If you have car insurance, you should have a good driving record. No one event will boost your insurance rates like a collision will. Stay aware of your limits and capabilities as a driver, and keep away from risky driving situations. For example, if you have trouble with your vision at night, avoid driving after daylight hours.

Basic coverage on your car insurance only allows the coverage to extend to the policy owner of a car. Many times people will let a friend borrow their car, and if they get in an accident, the insurance refuses to pay. You do have the option of increasing your coverage and your premiums, to ensure that these situations are also covered.

Raise your deductible to save some money on premiums. This is a risky move, but if you want to save money each month and have the willpower to put money away to pay a deductible if you are in an accident, it is a great way to save money A higher deductible means a lower premium.

Sometimes people are unaware that not all insurance policies provide adequate coverage for uninsured motorists. You will want to consider this option if your budget allows for including this type of coverage. It will also give you protection in the event that a driver without insurance hits your car.

Use these tips to ensure that your policy is offering everything that you need. You may find that things were not as you thought they were, and you may benefit by rewriting your policy to get the proper amount of coverage to protect you and the other drivers on the road.

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