Auto Insurance

Car insurance policy options are a dime a dozen nowadays, and it could be pretty confusing for a beginner to choose what policy best suits him. Don't worry as this is a typical reaction. Talking to a car insurance agent and asking him the relevant questions can spell the difference between a high insurance rate and a low one. If you are unsure of what to look for when shopping for an auto insurance policy, here are some things you need to consider before committing yourself to one:

1. The type of car you have is one of the biggest factors in determining your policy. If you do not own the car yet and are still making payments, you would need to get the full coverage. There are ways to lower your insurance rate, however. These are the items thatcan determine your premium:

a. Type of deductible - opt for a higher one.

b. Multi-car discount - the more cars your household owns, the bigger the chance that you can get a discount.

c. Multi-line discount - bundling your car insurance with your home insurance.

d. Good Student discount - if you are taking an insurance for you high school teen or even college student, good grades can qualify your child for a discount.

e. Safety Features - the more safety features a car has, the better, especially if these are additional features not required by law.

f. Military discount - if you are part of the military or retired, you may be eligible for this discount.

g. Driving lessons - defensive driving courses can provide you with a cheaper car insurance quote.

h. Good driver discount - if you do not have a history of car accidents, car insurance companies can provide you with a discount for this.

2. If you do own your car, you have additional options to lower your auto insurance rate available to you. Here are some of them:

a. Reconsider the comprehensive and collision options. After a certain number of years, the

comprehensive and collision coverage will be limited to the value of the car at the time it was purchased. This is especially true for old cars. So if you feel that you will not get much value

out of this coverage, opt out of it.

b. Check if the health insurance coverage of your car insurance policy is favorable to you. If you

have an existing health plan that can cover car accidents, then you may choose to not include this in

your policy. However, make sure to check if your health insurance provider gives you the maximum

coverage as you do not want to get into a serious car accident and find out afterwards that it is not

covered.

These are just some of the ways you can save on car insurance premium. It is best to talk to an insurance agent to find out the best deals. Doing your research on the Internet will also give you an idea on how to get the best deal out there. Auto insurance Web sites can provide you with quotes, tips, and other advice when shopping for a policy. Happy hunting!