الجمعة 3 يونيو 2016 - 22:30
5 Common Auto Insurance Scams
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It seems like every time you turn on the television, you encounter a commercial that asks whether you're paying too much for your car insurance. Chances are your insurer won't be champing at the bit to tell you the answer, so the burden is on you to find out. But with an Internet connection and a little planning, you can do it on your lunch hour. Whether you're shopping for your first policy or looking for a better rate, going online is a gateway to a world of auto insurance quotes and information about the companies that issue them. As you'll see, low cost is just one factor to consider. Let's take a look at five tips to keep in mind when While there is a seemingly endless number of companies issuing auto insurance policies these days, there are really just two ways to buy car insurance: You can purchase a policy in-person through an agent -- a licensed individual who sells policies on behalf of one or more insurance companies -- or you can buy directly from an insurer via Web site or telephone. Buying car insurance online still accounts for a relatively small portion of total auto insurance sales, but it's increasing in popularity. According to a 2011 survey by the Internet marketing research company ComScore, just 20 percent of new auto insurance policies were purchased online, compared to 43 percent purchased from an agent. However, the number of online purchases represents an increase of 5 percent from just two years earlier, while the number of agent purchases represents a 6 percent decline. Additionally, a 2011 survey by J.D. Power and Associates showed that 54 percent of new auto insurance owners applied for a rate quote online, the first time this has happened for a majority of respondents [source: Insurance Information Institute]. Whether you shop for car insurance online or go one of the other routes, make sure you come prepared with all of the information you need to get an accurate quote. Take stock of your car's make, model, year, vehicle identification number(VIN), the zip code of where you park the car at night and any aftermarket safety or anti-theft accessories installed on the car. Get the license numbers of every driver to be insured under the policy, as well as the date when they were first licensed, and obtain a copy of your driving record. Get an updated credit score as well -- your credit rating can affect your auto insurance premiums, since some insurers say those with poor credit scores are more likely to file claims [source:Roberts-Grey]. There are a few steps you can take to get lower insurance premiums, as well. Tally up the number of miles you drove this year versus the previous year -- a significant decrease in the mileage you drive might help you get a lower quote. Consider completing a defensive driving course online, insuring multiple vehicles (or your home) through the same insurance company or looking for a plan with a higher deductible. You might even want to eliminate certain types of insurance not required by law in your state; you could forego collision and comprehensive coverage on very old cars, for instance
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