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How to Lower Car Insurance Rates

Apr 29, 2013

If there is one common denominator when it comes to buying car insurance, it is that everyone wants to get the best coverage for the lowest possible price.

 

So how do you save money on your auto insurance, work with a top-quality company and keep all the coverage that you need?

 

It takes a bit of research to find the insurance coverage that is right for you and that offers a great deal, as well.

 

  1. Shop around – Don’t get complacent with the company that you are insured with. You can either shop around and do research on your own or you can use an agency like BMCC to do this for you. Sometimes agents have resources that are unavailable to you, but even more important, they likely have a good deal more experience with car insurance than you do. After all, it is their job to study the newest developments in the products that they sell.
  2. Consult with an agent – Even if you decide to shop around on your own, talk to an agent before making any big purchases on your own.  An agent will understand the fine print and be able to spot gaps in coverage that you might only notice when you make a claim.
  3. Get the right amount and type of coverage – A new car needs more coverage than an old car. Get the amount of insurance that is right for the vehicle that you drive.

 

The three most common types of auto insurance are liability, collision and comprehensive:

Liability – If you hit someone, this pays for the damage done to their car and their medical bills if there was any bodily harm done.

Collision – This pays for damage to your car if you were to get into an accident.

Comprehensive – This covers “Acts of God” like hail storm damage or a boulder falling on your car. Simply put, comprehensive insurance covers almost every loss associated with you car except accidents.

 

  1. Ask about discounts – Many people are unaware of some discounts that are available, such as the one you can get if you work in a “safe profession.” A safe profession means that statistically, workers in a particular field, such as education and engineering, tend to present lower risks to insurers than do others. Some insurers offer a discount for driving a hybrid.
  2. Combine different types of insurance – Usually, if you buy your auto insurance from the same carrier that you buy another kind of insurance from, such as homeowners, you will save money on both policies.

 

For more information on saving money on insurance, call our agents at 1(855)855-BMCC.

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