Shopping for car insurance can be confusing and overwhelming, especially if you do not understand what goes into determining your premium. If you are shopping for the best deals, arm yourself with the tools to negotiate the best rates so that you can be sure that you are getting the best possible deal without sacrificing the coverage that you need.
First, consider your driving history. If you had a speeding ticket five years ago, look for an insurance company that only rates based on the last three years or one that forgives your first offense. That will save you from surcharges based on the moving violation, which can be costly.
Another factor to consider is the distance that you drive. Insurance providers ask you how far you commute to work and how many miles you drive each year because you are at greater risk of an accident when you spend a lot of time on the road. The more miles you drive each year, the higher your base premium will be. Make sure that you provide as accurate an assessment as you can for your driving habits.
When you choose your coverage deductibles, look for a balance between your budget and your premiums. The higher your deductible, the lower your premiums will be, because you are taking on more of the risk yourself. But, make sure that you choose a deductible that you will be able to pay if you are in an accident, because you will have to pay it directly to the repair shop in order to get your car repaired.
Many insurance companies offer discounts for your good driving history. If you have always been insured and you have no accidents or moving violations, you can save as much as twenty percent on your premiums. For students, look for a discount offered based on your academic performance as well.
By being aware of your coverage options and potential discounts, you can get great car insurance deals. Talk to your agent about any other possible options as well.
Looking for car insurance in Athens? Call Pachuta Insurance today @ 706-769-2262.
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