If you’ve been a customer of a car insurance company for years and years, chances are you never even look at your actual policy. Every year at renewal time you only look at the bottom line where it states how many bucks are coming out of your account.
But do you ever look at the fine print, and the area that has the personal details, such as how many years you’ve been licensed, how many kilometers the vehicle is driven on average, and where?
Chances are you’ll be surprised to find all sorts of inaccuracies. I know mine had my incorrect birth date, and the number of years licensed was about one third of what I know to be true. Most of us get our license when we’re sixteen, so it’s not hard to do the math.
Anyway, does any of this stuff really matter, or is it merely a matter of averages. You might think that the insurance companies just toss a bunch of numbers into a hat, shake them up, and out comes the amount you must pay every month to lawfully drive your vehicle.
In actuality, rates are determined by all sorts of criteria, like where you live, and what you drive. Drivers in cities pay more because there’s more chance of your car being stolen. Of course, if you drive a car that looks good to the thieves, your rates rise even more.
Another determining factor is your driving record. We’ve all heard people speaking in hushed tones about demerit points. Then there’s your credit rating. Yes, a bad credit score equals higher insurance premiums.
Lower rates can happen if you fall into the low risk category. Having had no accidents and being older than a teenager will help. If you’re a guy, getting married helps too.
Since the type of vehicle you drive is such a determining factor, why not get around it by consulting with your insurance provider before you purchase your next vehicle? There must be some cool cars on the preferred list.
The temptation to shop around may not be a wise decision. We all have seen the ads that try to entice us to switch insurers, but being a loyal customer for years may give you a leg up. It allows your good driving record to shine, and most companies will offer rewards and discounts. Keeping in touch with your agent and making sure they have accurate information about you, is a good idea.
A smart thing to do is fix those little scratches and dents that happen no matter how careful you are. With the help of a good, honest auto service and repair shop, you can fix those little problems before they become an insurance claim.
Paying for small repairs out-of-pocket and increasing the deductible can keep your rates from going up. Keeping you car in touch with your car service professionals will prolong its life, and as you and your vehicle age, your rates will moderate as well.
Finding accurate auto repair information can be difficult due to the wide variety of vehicles on the road today and the vast differences between them. You can find helpful auto repair information at AutoRepair-Info.com
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Article Source: www.articlesnatch.com
