If you’re a first time auto insurance buyer then you are likely to attract high rates for many reasons. The fact that most of them are inexperienced divers is top among these reasons. This makes them bad risks because they are more likely to cause accidents because of their poorer response behind wheels. There are other reasons why they get higher rates but those are NOT the point of this article. Let’s share tips that will help a first timer become eligible for lower rates…
1. Get trained in defensive driving. Since there is a bias against you (that you’re NOT yet a very skilled driver), it will help if you can prove that you’re a very good driver. Defensive drivers have developed skills that help them anticipate other drivers’ errors and respond better to them. For this reason, no sane insurer will refuse to reduce your rate if you produce your certification from a recognized center.
2. You’ll pay less on premiums if you opt for an insurance-friendly car. These are cars that have very good safety features, cost very little to maintain and are themselves NOT expensive. If you insist on stuff like sports cars then you will definitely attract very high rates.
3. Ensure that your credit rating is excellent before you go ahead to purchase your auto insurance policy. Being a first-timer doesn’t particularly make you a darling to insurers. You don’t want to mess it up a lot more by adding a poor credit rating to it. Insurers claim that there’s a correlation between poor credit rating and recklessness behind wheels. You might NOT agree with this position but it’s the case and will affect your premium negatively if you joke with it.
4. If you can maintain very good grades, it would affect your rates for good. A minimum of B’s will help you get better rates. Insurers believe that there’s a correlation between good grades and responsibility behind wheels. Recklessness behind wheels, they claim, isn’t something that such students usually get involved in.
5. Important as the other tips may be, don’t fail to do thorough comparison shopping. Get and compare quotes from many A rated insurers. The fact that there are several thousands of insurers in the US alone and that each of them will give you a different quote, makes this very important.
This is imperative if you want superior coverage at the lowest rate. How much you’ll save depends largely on how well you do your comparison shopping among other things. You really have no excuse since the quoting process is easy, quick, free and has no obligation attached.
How much much savings will you make? $100, $200, $300, $400 or even far more? Know for sure by receiving and evaluating quotes using these sites: low cost auto insurance and affordable car insurance. Chimezirim Odimba gives away guaranteed steps to savings on insurance.
categories: auto insurance,insurance,autos