Save Money On Your Auto Insurance
By Fisher Swanson, Fri Dec 9th

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Save Money on Your Auto Insurance By Fisher Swanson

In nearly every state you have to purchase auto insurance if youdrive. Here are some tips for spending less on auto insuranceand getting the most for your money.

Ask Around

Ask people you know and trust what insurance they use. Find outif they have ever filed a claim and how smoothly it went. Reallycheap insurance doesn't amount to much if they offer horribleservice.

Get Multiple Quotes

Get 3 or 4 quotes from different insurance companies. Write downas much information as possible about each insurer. If the agentor representative is not willing to answer your question it'sprobably not a good company to buy insurance from. Don't buyfrom the first insurance company you call!

Check Your Credit History

Some insurers factor in credit history when they calculate theirrates. Unresolved issues in your credit history could affectyour insurance rates.

Pick Your Car Wisely

The cost of the car, make and model (sometimes even the color)will affect your insurance premiums. If you are buying a new carbe sure to check with your insurance company to find out whatthe insurance for that car will be. If you have an older car andare not financing you can get by with less insurance and save alot of money.

Ask About Discounts

Ask if there is a safe driver discount if you have a gooddriving record. If you don't drive much ask about a low-mileagediscount. Here is a list of discounts that Insurance InformationInstitute (www.iii.org) recommends asking providers about.

- $500 deductible - $1,000 deductible - More than 1 car - Noaccidents in 3 years - No tickets in 2 years - Drivers over50-55 - Driver training course - Defensive driving course -Anti-theft device - Low annual mileage - Air bag - Anti-lockbrakes - Daytime running lights - Student with good grades -Joint auto and homeowners coverage - College students -Long-time customer - Other discounts

There are a lot of discounts that may be available to you butyou often have to ask to get them. Create a table with the listabove for when you call around. You can find a printable tableat http://www.thriftyfun.com/downloads/auto.html to help youkeep track of the insurance companies you call.

Accident Prevention Course

Some insurance companies offer reduced premiums if you completean accident prevention course. Some insurance companies offer asmuch as a 10% discount.

Reduce Your Coverage

If you are buying your car on time you will be required to havecomprehensive coverage but the day that you pay it off you canreduce your coverage and save a lot a money. Less insurancebrings more risk but if you are a safe driver the odds are thatyou can get by with liability and uninsured driver insurance.

Last But Not Least

Drive safe and watch your speed.

Fisher Swanson is a regular contributer to the Daily ThriftyTips newsletter. To subscribe send an email todailythrifty-on@thriftyfun.com or visithttp://www.thriftyfun.com/

About the author: Fisher Swanson is a regular contributer to the Daily ThriftyTips newsletter. To subscribe send an email todailythrifty-on@thriftyfun.com or visithttp://www.thriftyfun.com/