Get Auto Insurance Tips And Information

Posted by Wallace - April 23rd, 2013

Some factors that alter the costs on your insurance policy are fixed, and some of them are changeable. Consenting to higher deductibles will result in lower insurance costs. This article discusses what you need to know to obtain the best prices on car insurance.

To make sure that your car insurance is correctly covering you, sit down with your agent before making purchases of things that personalize your car. You may find, for example, that the $2,000 you spent to upgrade your car into racing form actually added less than $500 to the vehicle’s appraised values. Should the vehicle get stolen, you’re out the difference.

Determine what types of coverage you need on your car insurance. There are plenty of options out there, and they may be confusing. However, if you own a valuable car and fear that you might get into an accident one day, obtaining collision coverage could give you peace of mind.

If you are looking for a cheaper insurance policy, then you may want to consider moving to a different city or even a different state. That is because premiums and policies differ by geographical regions. Therefore, you can reduce your insurance cost if you relocate to a region with lower premiums.

Auto Insurance

Don’t cancel your first auto insurance policy unless you have received your new auto insurance. You do not want to be stuck without auto insurance, even if it is only for a few days because auto accidents can happy at any time.

Many professional organizations, such as trade groups, negotiate with auto insurance companies to offer their members discounted policies. For example, if you are an AARP member or a credit union member, you could qualify for auto insurance discounts.

If you are a man under 25, you could get a discount by getting married. Married men can save up to forty percent on insurance costs. So, if you haven’t picked a date yet, you might want to think about doing that.

When you cancel your current insurance policy to switch to another company, you should do it in writing, and keep a copy of it. If a phone cancellation doesn’t work out for some reason, you could get your old insurance terminated for not paying the premiums. This could affect your prospects with other insurance companies, and possibly affect your credit record as well.

It is usually possible for an insurance company to rescind your coverage during the initial 60 days without giving you a reason. This is when insurance companies will review your driving record to see whether or not you are a high risk. If your policy is cancelled, you can wind up facing higher insurance premiums well into the future.

As previously mentioned, some factors that can be changed can affect your policy costs. Where you live, how much you drive and your driving record are things that you can control. By knowing about these factors and how they apply to you, you can lower your premiums to levels you can comfortably afford.

You should not rule out buying sports cars because of the misconception that they have higher premiums. In fact, not all sports cars require carrying a higher premium. You may consider calling your insurance provider to determine whether or not your ideal vehicle carries an affordable premium.

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Opening The Door For Big Savings With Auto Insurance

Posted by Wallace - April 20th, 2013

Having auto insurance doesn’t just protect your vehicle. It protects you from liability if others are harmed by your car. It covers all kinds of car expenses due to loss or damage. It is important to review your policy to find out what exactly is covered and fill in any shortcomings. Using the tips in this article, you can get the most out of your insurance policy.

Beware of car insurance quotes that seem too good to be true. Sometimes you really get what you pay for. You have to get to know more about the company and the policy that you are opening before you rely on it to cover any damages that occur during an accident.

Make sure to research the insurance rates in your area. The price of insurance will vary depending on where you are.

When you are shopping around for auto insurance, get quotes from many companies. It is quite surprising just how much variance there is when it comes to this product. Get a new quote at least once per year to ensure that your are paying the least amount of money for the best insurance coverage. Just be careful to make sure that the quotes are offering the same levels of insurance when reviewing.

Get your auto insurance agent to give you a listing of every discount the company offers. Check all the discounts to determine which ones apply. By taking advantage of any discounts available, you can save more money.

Insurance Companies

Insurance companies are all different. Because insurance companies offer a broad array of policy prices, always solicit additional quotes if you do not like the first few you receive.

One thing that many people overlook when reviewinging car insurance is that they may not be covered for other “uninsured” drivers. You really should take this seriously as it can cost you a lot more in insurance premiums. It also protects you in the horrible situation of an uninsured driver hitting your car.

When your children move out, you should remove them from the policy immediately. If other drives are on your plan, removing them may save you extra cash on your monthly and yearly premiums.

By having security features on your car, such as an immobilizer, tracker or alarm, your premium will be lower. If your car is easily stolen or stolen often, it may raise your insurance. If your car has a lower chance of theft, your policy will be lower as well.

Auto insurance companies take many factors into consideration when determining your insurance rates. The insurance company takes into account such things as age, gender and marital status. Being aware of how these factors affect your coverage will allow you to recognize appropriate rates when you are price shopping.

If you sell or get rid of a vehicle, remove it from your policy right away. Carrying insurance on vehicles you no longer own will result in higher premiums; therefore, it is advisable to remove any cars you no longer own quickly.

Auto Insurance

Make sure you understand the laws and regulations of your state of residence when it comes to auto insurance. There is a variation in the minimum coverage laws in each state, so you should understand those requirements when making a decision about your auto insurance plan.

Make sure you understand exactly what your insurance policy does and does not cover, so that you know you are sufficiently covered for unplanned events. There are a number of standard automobile insurance coverages, like medical expenses and bodily injury. However, certain optional protections, such as comprehensive or collision coverage, may not be part of your policy if you do not specifically ask for them. Make sure you have the coverage you need and don’t just rely on basic coverage.

Read your policy closely to ensure you will be provided a rental car when necessary. You may need to purchase an additional insurance plan to cover you if your insurance company does not reimburse you for a rental car while your own car is being repaired. This policy can cost you upwards of $20.00 a day if your car is being repaired. 00 every day while repairs to your car continue.

Now that you have learned a bit more about auto insurance, use the skills you have learned to examine your existing policy. You could discover that in order to feel properly protected, you’ll need to make some changes to your policy.

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Ways To Get The Most Out Of Your Auto Insurance Plan

Posted by Wallace - April 18th, 2013

Your auto insurance policy is designed to protect your car, and a lot more. It is meant to protect you, the other cars and people on the road. While choosing a policy, it is important to make sure that you have enough coverage. This advice is meant to assist you in getting the best car insurance.

When purchasing auto insurance, be sure to get quotes from a number of different companies. Many times, different companies will offer very different rates. Get a new quote at least once per year to ensure that your are paying the least amount of money for the best insurance coverage. However, make sure the policy details for each quote are very similar.

Think about whether your car really needs those fancy, expensive accessories. Heated seats and a great stereo system are nice, but you do not really have to have them. If you get in an accident and total your car, or if it’s stolen, the insurance company will only pay you for the value of the car, which does not include any after-market equipment.

If you are contemplating making after market additions to your car, have a conversation with your agent to see how these would be covered. You may spend about a grand on some new rims for your car, but if an appraiser values them much lower the difference between the amounts will be lost if the car is stolen.

Try to pay your car insurance on an annual basis rather than monthly. It is common for insurance agencies to add around $4 to a monthly bill. This amount can add to your bill quickly. You may also find an additional bill every month to be an annoyance. If you have less payments you will be better off.

Prior to purchasing auto insurance, investigate the reputation of the company. Sometimes people only focus on the cost, but there is more to consider when shopping for good insurance. Sometimes when you pay a lot less you will get bad customer service. They can also be harder to deal with.

Clear your record of any traffic citations, parking tickets, or other unpaid fines before you go shopping for a new car insurance policy. Before issuing a policy, an auto insurance company will look at your driving history and record, so make sure that you pay all of the fines that you owe. This is morally correct and it also improves your insurance payments.

Keeping your license clean is crucial when it comes to how much you pay for insurance. Your insurance costs can be a lot higher, if you’ve been in accidents or have gotten tickets. If you already have a check against your license, see if you can lower your insurance premium by taking a driving course.

There are some insurance companies that offer discounts to those over 55 who have taken some classes. A potential 10% discount off your insurance premium is a great benefit.

Decrease your premium by having a tracker, alarm or immobilizer in your vehicle. Theft associated with your car plays a huge role in calculating your insurance coverage. If your car is theft proofed you can lower your premium.

If you want the lowest insurance rate, opt for the highest deductible. A higher deductible means that you will have to pay for repairs required when minor accidents occur, but you are still protected in the case of a major accident or one in which liability rests on you. If your car does not have a very high replacement value, a high deductible can be a good idea.

Go for a non-sporty vehicle. Insuring a sports car costs significantly more than insuring other vehicles. Try going for a low-profile model. If you have a larger motor, you are going to have to pay more to insure it. Sporty models are also targets for theft, which increases the cost of insuring them.

The above advice will enable you to look closer at your insurance policy and make the most out of your plan. You may be surprised to see that your current policy doesn’t include everything you though it did, or it may include other coverage that you don’t need and have been paying extra for.

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Saving Has Never Been This Easy For Auto Insurance Customers

Posted by Wallace - April 16th, 2013

Buying the right insurance for your car is essential to prevent financial difficulties when an accident occurs. The article below will describe how to ask the right questions from your broker or agent, what coverage to buy and how to avoid duplicate coverage. Read the article and ask the right questions from your insurance professional.

Most states allow insurance companies to cancel your policy within a fixed amount of time if they decide you are a risk. Even if you have an excellent driving and financial background, this can still happen, though it is unlikely. Keep all of the research that you did on other insurance companies just in case you did need to find a different policy.

Record all offered discounts, and determine which ones you might be able to get. You may find that you can save an amazing amount of money by taking advantage of discounts.

Start taking the bus or find a carpool to lower your mileage. Customers who have demonstrated a sense of responsibility by doing things, such as driving fewer miles, are often rewarded by insurers. By lowering the number of miles you drive your car, you can often convince your insurer to lower your premiums, based on a lower risk of accidents.

Paying your insurance in one payment saves you money in the long run. Many companies charge a service fee when you want to make monthly payments. Save some money each month so that when you need to pay your policy, you will be able to make one payment.

Check out the reputation of the insurance company first. Lower rates are not the only factor to consider when shopping for car insurance. It’s common for insurers to offer low rates because they engage in underhanded schemes to weasel out of paying when you get in an accident.

Every insurance company is unique, but you will definitely pay more than a person with no tickets. Some companies cater to drivers with a less than perfect record and help them get the best possible rates.

You should trade in your car for a model that is less sporty. People who purchase sports cars end up paying higher premiums. An every day car is a good way to go. A larger engine also generally comes with higher insurance costs. Sports cars also cost more for the insurance, because they are stolen more often than other cars.

The more safety features your car has, the lower the rate you’ll likely have to pay for auto insurance. Items that can prevent injury and theft, such as alarms and airbags, can qualify you for discounts on you car insurance. Installing these items on your older car can also help.

Car insurance is important to have even if consider yourself a safe driver. In the event of an accident or tragedy, insurance is the one saving grace you have to hold on to. Having the right coverage can save you a lot of hassle when something happens to your car. This article will give you the answers that you need to get the right insurance.

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What Everyone Should Know About Auto Insurance

Posted by Wallace - April 14th, 2013

A lot of people think learning about auto insurance is a difficult process. The good news is, as you learn more about auto insurance, you will see that it’s much more simple than it seemed at first glance.

You must have the state legal minimums; however, there are many optional protections that are available. Your premium might be more expensive, but the extra options are often worth it. If you get in a hit-and-run accident or one where the other party has no insurance, you will be out of luck unless you have uninsured motorist coverage.

Sports Car

The cost of car insurance is only one aspect of many that you need to consider. There are many factors that go into the premium pricing and you’ll want to check through all the details, such as the amount of deductible you’ll be responsible for, the amount of coverage you’ll be receiving and what the maximum amounts are for your benefits.

Stay away from sports cars. It costs more money to insure a sports car. Purchase a car that is more low-profile. A car with a powerful motor is also more expensive to insure. In addition, sports car are stolen more often than other cars, driving the insurance rates even higher.

If you need to save money, choose a higher deductible. It is a risk, but for people who are able to save up money for the deductibles, it is a smart way to save money. A higher deductible will pay off in the form of a lower premium.

Having more than one policy with an insurer can reduce your auto insurance costs. Search for these types of offers, especially those that bundle auto and homeowners insurance. Make sure to compare the cost of combining your home and auto or insuring them separately before making the decision to bundle.

You should be able to obtain a substantial discount from your insurance company, if your total miles driven is less than 7500 each year. If you’re interested in saving on auto insurance, reducing your time behind the wheel could be the way to do it.

When purchasing an insurance policy, consider paying it off upfront. Insurers often charge a fee for making monthly rather than annual payments. A great way to avoid this fee is to start saving now, and when your policy is ready to be renewed, pay it off for the entire year.

Sometimes being a part of a well-known organization can help you get discounts on an auto insurance policy. The senior organization AARP and the American Automobile Association (AAA) are a couple of the more well-known groups that enjoy this benefit.

If you are involved in a car accident, contact the police immediately. They will obtain all the info they need and provide it to you as well. They will also tell you what steps you have to take next. Your best ally when dealing with the insurance company is the police and their report as well. Get the police involved immediately.

When you see that other companies are offering lower rates, talk to your own insurance agent about it before you decide to look into the other company. Often, companies will reduce your rate accordingly to keep a competitive edge.

Senior citizens tend to cause many daytime traffic accidents. This is something to be aware of because it can have an impact on auto insurance rates and may even prevent you from getting any insurance at all.

Unless you have a claim for more than $25,000 you should not hire an attorney or file a lawsuit. Instead, just speak with your claims adjuster and come to an agreement with them. Hiring an attorney can be very expensive.

This information will work for most people. Take the advice provided here, and use it for your auto insurance needs. You can get the amount of coverage that makes you feel secure along with a price that is affordable by using the information from this article.

Increasing your deductible levels can be an almost painless way to keep your car insurance premiums low. If your insurance deductibles are high, your rates may be lower as insurance companies believe that you will not file claims on smaller amounts. This translates to a lower monthly premium, saving you money – as long as you don’t have to file any claims. You will have to pay more out of pocket at that point, however.

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Saving Made Simple With Auto Insurance Tips Anyone Can Use

Posted by Wallace - April 12th, 2013

There is a lot of complicated insurance jargon thrown out at you when you are purchasing auto insurance. At times you can become confused. If you read this article, you can get a better grip on the specialized terminology you will need to talk to an insurance agent on her own terms. By knowing these terms, you can make better decisions when buying an auto policy.

If you are seeking to purchase auto insurance, make sure you shop around for premium quotes from various insurance carriers. As you will find, insurance rates vary greatly by the company. You should get yearly quotes to ascertain that you maintain the best coverage and rates. Just be careful to make sure that the quotes are offering the same levels of insurance when reviewing.

Cheap insurance, though attractive, is not always the best choice depending on your needs. It’s possible that it is a great deal, or the price may speak for itself. It will be necessary to research the carrier and policy details prior to putting your faith in the notion that you will indeed receive proper compensation if an accident occurs.

Avoid having more than one driver listed for each car. You will pay less if there is only one driver associated with each car.

If you drive up to 7500 miles in a year, you can most likely get a large discount on your insurance. If you’re interested in saving on auto insurance, reducing your time behind the wheel could be the way to do it.

Talk to your own insurance agent before switching companies due to a quote from another company. They’ll usually lower your rates to avoid losing your business.

If flaws in your driving record are causing you to pay more for auto insurance, there may be solutions available to you that could lower your rate. For instance, some companies will lower rates if you are successful in completing a driving course after an accident or ticket. Providers like Progressive now offer their customers the choice of driving under surveillance so that the company can better assess their driving habits.

Raising the amount of your deductibles is a great way to save money on insurance. Although your premiums will be lower each month, this action can be chancy if you don’t have the self-control to save money for your deductible. In the event that you are involved in an auto accident, the out-of-pocket cost can be high. You will have a lower premium if you have a higher deductible.

Surprisingly, if you’re a male and under 25 years old, getting married might cut down your insurance bill. Some have found that marrying saved them almost 40 percent. Though you should never get married only for insurance savings, if you are already planning a wedding, this will be an extra bonus.

Auto Insurance

The goal of this article was to help you navigate the world of auto insurance. Being educated about your choices can help you avoid confusion when you look at auto insurance.

Beware of car insurance quotes that seem too good to be true. It could be the bargain of the year, or it may not be adequate insurance for you at all. Investigation of the insurance policy and what terms and conditions their insurance contains is vital before you sign up. You don’t want to find out the hard way that you are not actually covered in the event of an accident.

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Auto Insurance Tips For The Road

Posted by Wallace - April 10th, 2013

Auto insurance is large part of being a responsible vehicle owner. However, auto insurance policies seem to be written in the most confusing terms possible. This article can help you to better understand what all of those terms mean. By understanding the terms of the auto insurance world, you will be a more informed consumer.

If you take time to list each of the safety features of your new car, you may be able to get a lower insurance premium. Safety features like car alarms or side-impact airbags can bring you discounts since they minimize accident or theft claims you may have in the future. You can receive the same benefit by retrofitting an older vehicle to include these features.

It is important to notify law enforcement after you have a car accident. Police officers know what type of information to obtain, and they can guide you on what steps to take when you get home. The police, and the accident report they file, could become your best friend where your car insurance company is concerned. Make sure the first call you make is to the police.

When shopping for auto insurance, be sure to know the different types of insurance coverages. There is more involved in the cost of your insurance policy, than just the number of cars you have covered. If you are at fault in an accident, bodily injury liability coverage will cover injury and death claims, as well as legal costs.

Increase your deductibles and save money as a result. It is a bit risky, but it will help you save on your insurance premiums. You have to make sure to save up money in case you need to pay a higher deductible at some point. Premiums and deductibles have an inverse relationship in that, in general, the higher your deductible amount is, the more you can save in premium costs.

Unfortunately, auto insurance polices can be packed with perplexing terms and intricate phrases. If you take the tips in this piece to heart and educate yourself about insurance policies, it will be possible to make smart, reasoned decisions about your coverage. Car insurance is a purchase you deserve to feel secure and comfortable with, and you can get there with a little bit of extra information.

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Auto Insurance, What Every Driver Needs.

Posted by Wallace - April 8th, 2013

Auto insurance is large part of being a responsible vehicle owner. However, auto insurance policies seem to be written in the most confusing terms possible. This article can help you to better understand what all of those terms mean. By understanding the terms of the auto insurance world, you will be a more informed consumer.

If you find a rate from another company that will give you the same coverage at a lower price, check with your current company first. They will probably cut you a deal so that you continue giving them your business.

When deciding what coverage to buy, the vehicle you own can make a big difference. Depending on your personal insurance needs, you may want lower coverage on a older vehicle compared to a newer one. Also consider the vehicle’s theft rate. The more likely it is that your vehicle will be stolen, the more you should think about paying for comprehensive insurance.

Consider paying your entire insurance policy in one payment. There may be extra fees for paying your insurance in monthly payments. Start putting money aside for the next time you renew your policy so that you can pay for the whole premium at once and pocket the savings.

Avoid having more than one driver listed for each car. The fewer names on the insurance policy the better the price for your auto insurance.

Do not buy your teenager a car. Let your teenagers use a shared family car. Adding a teenager to a family plan is much cheaper than insuring him or her separately. You may even be able to get a discount on your insurance if your teenager is a good student.

Car Insurance

Avoid changing auto insurance companies if you have outstanding traffic violations or tickets. Any time you get a new policy, the insurance company will check your record and you are sure to pay premiums based on it. This is morally correct and it also improves your insurance payments.

Do not spread your car insurance bill into monthly payments. On average, your car insurance provider could be adding $3 to $5 to your bill. These fees can add up over the year. You may also find an additional bill every month to be an annoyance. Stick to this simple rule: make as few payments as possible.

Try getting rates from multiple companies before picking one for your car. You will only get the best rate by shopping around.

Having the right kind of insurance can save a person quite a bit of cash if they get into some kind of accident. The policyholder is expected to pay a portion of the claim, called a deductible. Any claims over and above the deductible will be paid by the insurer.

Don’t be too price-sensitive when shopping for auto insurance. Cheap may be exactly what you get! Make sure you find out about the insurance company and your policy because you want the best helping you out if you need to file a claim.

Insurance Policy

Many auto policies are filled with confusing texts. By gaining a good grasp on those words and terms, you can make an informed decision about any auto insurance policy. If you are an educated customer, you can be sure that you have purchased the right insurance policy.

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Unique Ways To Save A Ton On Auto Insurance

Posted by Wallace - April 6th, 2013

Purchasing an auto policy can be a pain for you. Car insurance is a pretty simple product, but it does have a lot of different features, and a little bit of learning can help you understand how to line these features up to get the best coverage at the cheapest price. This article is designed to help you on your path to finding the perfect policy for your vehicle.

Body shops often know who the best insurance providers are. People who work as car mechanics speak with insurance adjusters all the time. They have to deal with insurance companies frequently and will know which companies give their customers the best service.

When companies compute quotes for auto insurance premiums, they factor many variables into the equation. Some of these criteria include whether you are married, how old you are and your gender. When shopping for insurance you should be aware of any factors that can adversely affect your premiums.

When you are figuring out what you need in the way of coverage, think about what car you have. Driving an older vehicle will probably cost less to insure, than a newer model. You should also be aware of what your vehicle’s theft rate is. You might want to invest in comprehensive coverage for cars with a higher rate of being stolen, even older cars.

Insurance companies are all different. If you do not care for the most recent quote you got, shop around and get others.

When you’re in the market for car insurance, you will want to understand what protection the various coverage types will provide. Even though you may be getting insurance for one vehicle, there are many factors involved in the final cost. Know what your policy covers in the event that you hit someone.

If your car is in good shape and you have few assets you need to protect, a great car insurance tip is to get coverage that is 100/200/100 level. Liability coverage is the foundation of insurance coverage, and is required by most states. You need to make sure you have sufficient coverage to meet required minimums for your location.

It is important to call the police if you have been in a car accident. Police officers are well aware of the procedures that have to be followed, and they will make sure that all necessary information is collected. When you are working with your insurance provider to handle a claim, the police department can be a close ally. Always remember to report any accident to law enforcement promptly.

By now, you will have realized that buying car insurance can be more complicated than is usually assumed. You will need to do your research and use common sense, and the effort you put in to choosing your insurance will pay off by protecting your vehicle. Use the advise that has been given to you so that you can make the best choice for your auto insurance needs.

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Great Auto Insurance Advice You Should Follow

Posted by Wallace - March 28th, 2013

There are many terms that are specific to auto insurance, and they can be confusing. Overall, it is a very confusing topic. This article will help you understand everything that an insurance policy will throw at you. Having a clear understanding of what the terms mean will help you make educated decisions while shopping for automobile insurance.

Do your homework before you make a decision. Every company has their own algorithms to decide your premium. By shopping around and comparing rates, you can save a significant amount of money on your insurance.

When shopping for auto insurance, be sure to know the different types of insurance coverages. Even if you are just insuring one vehicle, many factors going into figuring the final cost of the policy. Injury claims, death and legal costs are covered by the bodily injury part of the insurance.

There is one simple and somewhat surprising way for young men under 25 to see significant savings on their insurance: get married. There are people that have found they saved almost 40% on their insurance after getting married. So if you’ve already found the right partner, now might be a good time to think about getting married; you can save on insurance costs that way.

Keep your driving record clean. Car accidents are the number one thing to raise your insurance rates. You should accept any limitations you might have and avoid any situations that might lead to an accident. For example, if your night vision is poor, avoid driving at night.

Insurance Company

The right insurance can save one a great amount of money if they ever get in a car crash or have any other kind of accident happen. The insurance company will have the person pay a deductible and anything that exceeds this amount will be covered by their insurance company.

Keep receipts and records of any extra parts you put on your car. This makes for proof in case there is damage done to your vehicle or a theft occurs. You should ensure that your insurance coverage is sufficient to cover any expensive accessories or modifications on your car.

Armed with a list of available discounts, mark off the ones you qualify for and total up how much you stand to save. You may very well be surprised that by claiming discounts there is a lot of money to be saved.

If you no longer own a vehicle, remove it immediately from your insurance policy. Having any unnecessary cars on your policy can add up quickly to wasted premium being paid.

Conscientious driving is the main factor in reducing your insurance premiums. Many companies offer discounts for good drivers who don’t get tickets or have accidents. These discounts often lead to significant savings, and may even increase year after year as you continue to maintain a clean driving record. Driving safely will also help prevent your premiums from increasing.

When you cancel your current insurance policy to switch to another company, you should do it in writing, and keep a copy of it. If your insurance company does not record your cancellation, they will issue a bill — and when you don’t pay that bill, they could report that they cancelled you for non-payment. This can lower your credit score, and cause you headaches trying to correct it.

Hopefully, you now have the understanding necessary to be confident in your auto insurance purchasing. Knowing what your choices are is a good way to gain confidence in making the right decisions.

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