Keep your premiums from rising? This can be like a game where the author refuses to tell you to decide the rules.
* If you have good credit, you pay less on car insurance.
Almost all auto insurance companies, including the top five pull your credit report.
Why? Studies have a direct correlation between credit score and the likelihood that you will receive a claim file.
The Motor Insurers also know that if you pay your bills on time and had the same credit for a long time, they are more stable than someone who pays late and frequently opens and closes accounts.
Motor Insurers use this information to create your "insurance risk score, the one factor which determines where your car insurance prices.
Tip: The auto insurance risk score is not available, but they may be similar to your credit score. If you wait for unusual credit activity, a month back on him to return to normal before buying car insurance.
* Your car model affects your auto insurance premium. You're not the numbers on your car insurance. But the auto insurers have a rating system for any make and model.
Most use a system through the Car Insurance Services Office, which begins with the cost of the vehicle and then factors in the development of data security and theft.
Tip: You can file a claim on the insurance. For most private insurance to cover smaller, less expensive items such as CDs.
* Bad drivers pay
You pay for your bad behavior. The industry standard is to increase your premium by 40% base rate, the insurer after the first at-fault accident. Not all auto insurers play by this rule.
Tip: Some car insurance companies have a policy of forgiveness first accident. Then ask your car insurance if it has a policy of forgiveness and how do you qualify? .
* You pay for bad behavior of his friend, too. If your friend borrows your car and crashes, you have a claim with your auto insurance needs.
Tip: If your friend does not yet have the authorization to the vehicle in most cases, you take will be held liable, for any damage. But the damage, if your friend is uninsured and causes beyond the limits of your policy, the injured party can come after you for medical expenses and property damage.
* The actual value of your car
Every car insurance company has its own list of car values.
The car insurance May also ask local dealers what it costs for a replacement only.
Tip: If you determine the value of your car insurance company do not agree, there are some things you can do:
The next time you get an insurance gap. There Wil l the difference between what the car insurance companies are and what you owe me.
If you have any maintenance records showing that they had the oil changed every 3000 miles and have the car had regularly by a mechanic.
If you paid premiums on the special parts or upgrades, make sure that those in the evaluation of car insurance.
* Odds and ends
Struck by an uninsured motorist? Try stacking to "". (UM / UIM) to ensure the collection of more than one car insurance you have.
Tip: Check the language of your motor insurance to see if stacking is not allowed.
There are two scenarios for stacking:
First, if you have multiple cars on the auto insurance policy with UM / UIM coverage on each, you can collect the limit of your UM UIM coverage / under as many vehicles as needed to cover full payment of damages.
Second, if you have more than one auto insurance policy with UM / UIM coverage, even if two different car insurers, you can make an application under each policy until all losses are recovered.
* You can expect your teen to add to your car insurance policy until he or she is entitled.
Tip: Remember to inform your car insurance company that you are a teenager, used under license. If you have a claim on his behalf must file your car insurance company authorized to have appropriate premiums again from the date your child received a license.
* You must officially cancel your car insurance policy if your car insurer. You can cancel your car insurance at any time by the car insurance in writing of the date of termination.
Tip: Call your insurance agent car and let him know that you cancel your auto policy. Enter a specific date, or you may end up uninsured for a certain period.
The car insurance company sends a deletion request. The most common form is already completed, and what we need is your signature.
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