| Anyone can jump online and blindly start filling in | | | | Have you been with the same insurance company |
| forms on one of the many websites designed to | | | | for at least 5 years? If so, be sure you are |
| let you compare the cost of automobile insurance | | | | getting your Long Term Discount on your car |
| between different insurance companies. But unless | | | | insurance. |
| you know the right answers to plug into the form | | | | Are you under 25? Drivers under 25 are |
| you're not really getting the results you're hoping | | | | automatically placed in a higher-risk category and |
| to get. | | | | their rates are higher. If you can stay on a |
| Before you go online to find the best price for | | | | parents' policy until you have your 25th birthday |
| your automobile insurance it would pay you to | | | | that will help to keep your rates a little lower, and |
| take a moment and put together - on paper - a | | | | if you stay in school and maintain at least a 3.0 |
| policy that is designed from the ground up to | | | | grade point average you will save an additional |
| provide you with the car insurance you need at | | | | 5% as a Good Student Discount. |
| the lowest price possible. | | | | Are you 55 or older? Many car insurance |
| Then, when you make your price comparisons | | | | companies will allow you to take a special driver's |
| online you'll really and truly be finding the very | | | | refresher course that (assuming you pass it ) will |
| best price you can possible get for you car | | | | save you about 10% a month on your premiums. |
| insurance. | | | | Ask your agent if your company offers such a |
| So what are some of the things you can do to | | | | program. |
| lower your car insurance rates immediately? | | | | Don't make small or frivolous claims. Many |
| The most important thing you can do to keep | | | | insurance companies offer you a discount or will |
| your insurance rates as low as possible is to keep | | | | reduce your deductible if you go as little as 6 |
| your driving record clean. In other words, don't | | | | months without filing a claim. |
| speed and don't do anything else that will place a | | | | If you drive an older car which no longer has any |
| moving violation on your record. | | | | Kelly Blue Book value then you are just throwing |
| Whatever you do, never drive drunk or impaired. | | | | your premium dollars down the drain if you |
| Do you have any idea what even one conviction | | | | continue paying for collision or comprehensive |
| for Driving While Intoxicated (DWI) or Driving | | | | insurance. Save your cash. |
| Under the Influence (DUI) will do to your car | | | | And speaking of cash, how large of a deductible |
| insurance rates? One conviction can almost double | | | | can you afford? Consider carefully because the |
| your rates. And if you are convicted for a second | | | | size you choose represents the chuck of cash |
| DWI or DUI you'll be lucky to find car insurance at | | | | you will have to come up with out of your own |
| any price. | | | | wallet if you should ever file a claim. With that in |
| Can you keep your car in a garage at night? If | | | | mind, the larger your deductible the lower your |
| you can, let your agent know as this will save | | | | monthly car insurance premium will be. |
| you some money every month. | | | | All right. You now have enough information to |
| What's your credit score? Many people are | | | | intelligently answer the questions on several of |
| unaware that their credit score affects how much | | | | the car insurance price comparison websites so |
| they pay for car insurance, but it does. Keep your | | | | that you can create the least expensive policy |
| credit in check and do whatever you can to raise | | | | possible. |
| your score because the better your credit score | | | | Don't get lazy and think that you only need to |
| the lower your monthly car insurance premium is | | | | make your comparisons on one website. You'll |
| going to be. | | | | need to make comparisons on at least 3 websites |
| If you have other insurance policies it will save | | | | if you want to insure that you are really and truly |
| you money if you can consolidate them all with | | | | finding the best price possible and getting the |
| the same insurance agency. In this way you will | | | | cheapest car insurance online in New Jersey that |
| qualify for a Multiple-Policy Discount on your car | | | | you possibly can. |
| insurance. | | | | |