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Almost every American from 16 years of age are concerned about their car insurance rates. In fact many states are now making it mandatory to have some form of insurance. this makes it critical to look around for the best company and the best rated offered. Below are some ideas to help you to reduce your car insurance.

One of the first options I would explore to reduce my rates would be my deductable. If you are willing to assume more risk, than your rates will often time be lower. Say for instance you raise your deductable from 100-1000 will have a large im-pact on your insurance rates. Remember, the deductable is the amount of money you have to pay for damage to your car before your insurance company will pay.

How many miles you drive per year can affect your insurance rates. This make sense. The more you drive the more you are at risk to have an accident. So if you know you will not be driving alot of miles, than talk to your insurance company to have your rates reduced. I would only look at this option if I knew that I was not going to drive a lot. I may even look at other forms of transportation; maybe car ...
... pooling could be an option.

Car alarms can be another way to help to reduce your insurance rates. Even the basic alarm that makes noise when someone tries to break into the car can be helpful. this is especially true if you live in a high crime area. More crime more chance of a problem with your car. A basic alarm often times will be enough to ward off any potential thieves. Be careful though because most insurance companies have certain standards regarding the types of alarms.

How many drivers and age of drivers can change your insurance rates. For the most pat, this makes sense. If you add a young , inexperience driver your rates will go up due the fact that that new driver is an increase risk. If however; you add an older driver, say one who has been driving for 30 years with a good record than your rates should be less. Why? Because that experienced driver is less of a risk than the young driver. Make sure you check your insurance companies policy.

Lastly, make sure you shop around and compare prices. Investigate the online companies as well as the offline. Sometimes there can be a big difference. Remember too that the lowest rate is ow always the best; especially if you like good customer service. Alot of companies which provide good customer service have higher rates. Just decide on what is more important to you. Rates or service. One option for you to consider is that of balance. Pick a company that has good customer service and reasonable rates.

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