Ten tips on how to get the best deal on car insurance

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Car insurance
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TEN TIPS ON HOW TO GET THE BEST DEAL ON CAR
INSURANCE With the high cost of gasoline
nowadays, most new drivers think twice of getting
car insurance. Driving without any car insurance
is a very big risk. Most drivers might think that
car insurance is way too expensive, but in the
long run it may save you a lot of money.
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Take for instance this example, if you are in a
car accident it may cost you thrice the amount
you might have paid for a car insurance to cover
for hospitalization and for buying yet another
car. Plus without car insurance you will be
paying police fines as well as paying for
suspended licenses. A total of 47 states require
some kind of insurance for your car. It would be
wise to know the basic law covering car
insurance. Here are ten tips you can refer to on
how you can get the best deal on car insurance.
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1. Know the different types of car insurance
policy the first thing to know in buying car
insurance is to understand the different policies
they offer. Choose a policy or policies that
would best suit your needs. Liability - This
policy covers physical injuries and damages to
property. This includes paying for
hospitalization and other medical expenses.
Damage to property includes vehicles and other
tangible property that might have been damaged
during the accident.
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Liability also includes expenses for court
proceedings if the vehicular accident requires
one. Collision This policy covers any damages
if your vehicle is crashed to another vehicle,
lamp posts, house or any another
objects. Comprehensive This policy covers
damages caused by natural disaster like flood,
storm, hail or wind. This also includes damages
by theft or vandalism. Medical Coverage Medical
expenses are covered by this policy not
considering if the cause is a vehicular accident
or not.
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Personal Injury Protection (PIP) - A personal
insurance of the driver. This policy covers for
medical expenses and treatment caused by an auto
incident. Uninsured Motorist If by chance you
are hit by an uninsured driver, this policy
covers the damages done to your
vehicle. Underinsured Motorist This policy will
cover the remaining cost for repairing your
damaged car if ever the incident is caused by an
insured driver with inadequate liability
insurance. Rental Reimbursement In case of a
damaged car due to a vehicular accident, this
policy will give a daily allowance for rental fee.
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2. Know your credit rating In most states,
credit rating has always been the number one
factor affecting car insurance rates. Be sure you
have a copy of your credit report and check its
accuracy and immediately contest any erroneous
information. 3. Motor Vehicle Report (MVR) you
can get a copy of your Motor Vehicle Report in
your respective Department of Driver Services or
Department of Public Safety in your state. A
three year record may cost you 5 and a seven
year record would cost you 7. Like credit
reports, verify that all information are correct.
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4. Accident Reports you can get a copy of your
Motor Vehicle Accident Report from the local
police department. It may take around six weeks
before you can receive the detailed report. You
might need to pay a higher car insurance rate if
you have reported accidents within the last
eighteen months. 5. Scout for a good insurance
package there are some insurance companies that
are offering multi-vehicle discounts. You would
get a lower rate if you have two or more vehicles
that you want to get insured. Also, you can get a
good deal from one company that packages all
their insurance policies, including home and
health insurance.
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6. Check out various discounts most insurance
company offers a discount to drivers over 55
years of age. It always pays to be a good
student you can get a student discount if you
have a3.0 point average or higher. 7. Obtain a
Driving Safety Certificate It is common for car
insurance companies to give certain discounts to
those who finish a safety driving course with a
very good standing.
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8. Check the model of your car Insurance rates
can be different from vehicle to vehicle. A fancy
car will obviously have a higher rate than an
older model. 9. Take advantage of added features
be sure you are receiving lower rates for safety
and security features like antilock brakes and
air bags.
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10. How much are you willing to pay car insurance
choose the option where you can handle the down
payment and the monthly paying scheme. Compare
other insurances prices before purchasing
one. Source http//car-insurance-online-in-india.
blogspot.in/2016/08/ten-tips-on-how-to-get-best-de
al-on-car.html
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