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How to Buy Car Insurance
By Stacy Fox Published: 01/07/2010
Many people wonder how to buy car insurance. They don't know what goes into the insurance company's decision making process. This article will help to explain it.
The first thing you need to know is what factors go into how the insurance rage is calculated. The most important factor is whether you have had tickets or accidents on your record. These things cause your rates to go up more than anything. In fact, some of the better companies won't even insure you if you have too many strikes on your record.
Secondly, how's your credit? Some insurance companies are looking at credit scores to determine rates. The higher your credit score, the less risk you are considered to be.
Do you drive a sports car or a mini van? The answer to that question will determine how much your insurance costs too. Certain kinds of cars reflect aggressive personality drivers and therefore cost more. Also, the older your car is, the less you'll pay.
Next, do you need a lot of coverage or just the minimum amount? There are a variety of levels of coverage and the type you pick will impact your rate. Also, a high deductible will lower your monthly insurance premium.
You have some control over the things listed above. But there are factors outside of your control including age, gender, marital status, and length of time with a company.
After you understand what factors go into your car insurance quote, you can begin to shop around. One easy way to do this is to use some of the online calculators that have been developed to determine how much you are going to pay with various companies. You can use that information to buy online or you can take it to a broker.
You may think that going to a broker should cost extra money. They are paid a commission after all. But in truth, going to a broker may save you money because they have the ability to negotiate with the insurance company directly. They also may know of discounts that you hadn't considered. For instance, teachers can usually get a discount based on their profession.
The last factor to consider is making your payments on time every time so that you maintain your insurance coverage.
And that's how to buy insurance coverage in a nutshell.