Mar 20 2012
Automobile insurance is one of those things in the budget that is always going to be there. Auto insurance laws are now more stringent than they used to be, with very few parts of America allowing one to drive an uninsured vehicle ? this is enough reason for us to take auto insurance more seriously and get a good deal. The industry is changing a bit because the competition is strong. We are now seeing policies that we never thought we?d ever see. Self-insurance is a brand new auto insurance trend that keeps gaining acceptance in society. Many a customer would use higher deductibles as the winning hand in the poker game of reducing auto insurance premiums. Higher deductibles means that the policyholder has decided to take on more of the risk for the automobiles insured. Low deductibles, which were once the in thing, are no longer that hot. You won?t get the same premiums you used to on lower deductibles. If you are working with higher deductibles, you stand to save more cash.
Getting Lower Insurance Rates For Drivers Under 21
If you?re under 21 and have a lien holder?s interest on a fairly new car, your auto insurance rate could jump up quite a lot. Both collision and comprehensive rates for drivers over 21 can be quite significant. A young driver on an older vehicle without the collision and comprehensive coverage will lower the rate significantly. There are discounts for young drivers who have completed a qualified drivers training course. Some companies have good student discounts on students with a grade point average of 3.0 or better. Subsequently, by the young driver?s 21st birthday, he or she would now be able to take advantage of reduced rates.
Senior Citizen Discounts ? Most companies have discounts for people age 55 and older who are retired or work less than 20 hours a week. There are mature driving courses that can also give the senior citizen a discount.
Multi-Policy Discount ? This discount is available when you insure both your auto and home with the same insurance company.
What is a limited tort option, how does it work, and how can you receive lower rates through this? Tort is a legal term of the capacity to sue for internal or external suffering. In some states, you can have limited tort rates reducing your overall premium by some 30 percent. Get more information on tort options from your insurance company.
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Source: http://autorepairarticles.com/2012/03/20/how-you-can-reduce-your-car-insurance-rates
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