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SpinDistribute.com Article Directory

The following article was published in our article directory on January 25, 2012.
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Auto Insurance Made Cheaper

Article Category: Shopping

Author Name: chickie maxwell

Getting the best rate for auto insurance can be easy or difficult, depending on the driver who is applying for it. The NAIC, or the National Association of Insurance Commissioners (NAIC), has some recommendations on which factors drivers can use in order to take advantage of discounts, and therefore, lower rates.

A spotless driving record will usually let a driver get lower rates in car insurance. A number of insurance companies prefer clients who have not filed any claim in their other car insurance policies, have not been involved in an accident and have not gotten a traffic ticket for at least three years. Drivers who meet these criteria are most likely going to pay less in car insurance.

Cars that have safety equipment like antitheft devices and antilock brakes can entitle their owners to some discounts as well.

A number of insurance companies also provide discounts for those drivers who can show proof or certification that they have completed a course on driver's ed or road safety.

For drivers who are students, there is good news! Students who achieve an average of B or higher in school can actually have this information relayed to their insurance companies. In turn, companies usually give discounts to these students.

There are also a number of companies that offer discounts if a driver has more than one policy with them. Moreover, in an effort to 'pirate' clients, some companies entice clients who have other types of insurance with them to transfer their car insurance policies to them and bolt out of their other insurance companies by offering lower rates, much like a balance transfer set-up in credit cards.

For those policyholders who have stuck with their insurance companies for some years, it would be best to ask their company if they have loyalty discounts.

Lastly, policyholders who have paid a high deductible may have to pay lower in terms of premiums.

Aside from discounts, people looking for auto insurance policies should also know if they are complying with the particular policy requirements of their state. There are various kinds of auto policies, and some states require only liability insurance while some require personal injury as well. The driver would need to be able to provide accurate information such as the gender and age of the drivers, the number of drivers in one household and the license numbers of the drivers. For information on the car, the year, model and make, as well as the VIN or vehicle identification number are needed. Alas, auto insurance companies will also ask when the car is parked overnight and what kind of coverage and limits the driver wants.

With these information, the driver can get some quotes from various insurance companies. He or she can then compare and contrast which have more reasonable rates according to the same features of the car insurance. Of course, the driver can also check the financial stability of the insurance company by checking Weiss Ratings to ensure that the insurance company is sound and legitimate.

Keywords: auto insurance

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