Reader’s Question:
What do I have to do in order to get low car insurance rates?
Jim
Virginia Beach, VA
Although Virginia only ranks 33 among the states that have paid the highest premiums in the year 2006, always looking for ways to lower our car insurance premiums is definitely one way of assuring that we are in total control of our finances.
To save on your car insurance, always keep your driving record free of any traffic violation. This is because individuals who have spotless records are rewarded with considerable discounts on their rates. Avoiding accidents is another way of assuring that your premiums do not increase. By doing so, you do the insurer a favor by not filing claims. If ever you get into one, though, try shouldering the expenses without having to file for benefit claims against your insurer. This way, you avoid getting demerit points on your insurance record, which is one basis used by companies in raising your premiums. Getting higher deductibles have helped a lot of other consumers, as well, as this step effectively lowered their rates. If you can set up a carpool among your family or colleagues, then do so, as it will qualify you for low mileage discounts. And to make sure that what you have is low car insurance, obtain quotes from several car insurance providers in your area. This way, you are aware of the going rates, so as not be ripped off of your hard-earned money.