The state of the current affairs has us rethinking a lot of things at home. You are really supposed to reevaluate all your insurance every few years. Truth be told, I have never revaluated anything. It always seemed like an intimidating project and I never really knew where to start. If you’re looking for more affordable car insurance, sometimes there are too many choices and it really can be a bit overwhelming. Don’t worry, it’s easier to save money on your car insurance if you follow some basic advice. Always reject the first offer and try to negotiate. Do what you can to find the best premium rates. Even things like adjusting your job title can get you a reduction. Here are some tips on how to spend less on car insurance.
Get the best deal
It’s better to do your research before committing to one car insurance company. Shop around and use price comparison sites to find the best offers online. It’s often cheaper to go for a shorter-term deal. Don’t go for “auto-renew ” as this means that your premium will be renewed automatically with no room to negotiate. You will save more money by going with a company that is willing to fight for you to choose them. Second-hand vehicles will tend to get you a lower premium. New cars go down in value as soon as you drive them out of the dealership. They go through an 11% depreciation on average almost immediately and then depreciate even more in the next few years. Used cars have already gone through this depreciation, so you won’t have the same problem.
Be a responsible driver
The best way you can protect your family and avoid making a claim on your car insurance is by driving more safely. Put your phone away. Do not text and drive. Don’t let road rage take over. Avoid slamming on the brakes or the accelerator. Always follow the traffic laws and don’t take any risks. Avoid distractions while driving. If you don’t have any driving issues you can rely on your no claims bonus. A very interesting and unknown fact is that your job title can also make you appear more responsible to an insurer. If you’re a freelance skilled worker, technically you’re the “company director”. Try testing out a job picker online to help make your job title get you a better deal. on your policy. As long as the job title you use technically describes the work you do, it shouldn’t be a problem for the insurance company.
What to do if you have an accident
If the unfortunate does happen it’s not necessarily the end of the world, but it might make you think about how you can improve your driving. Refresher driving lessons or a defensive driving course might be a good idea. Immediately after the incident, you should file a detailed accident report. You don’t want to be misinformed or lose out on your claim. Speak to lawyers about arranging legal help for injury claim. There could be a number of factors that might have led to the accident. You could be entitled to compensation. Make sure you are as informed as you can be about the claims process. Get the details of the other driver and their vehicle. Take plenty of photos at the scene, and speak to any witnesses. Be as prepared as possible when you make a claim.
Tommy Hilfiger, Dee Ocleppo Hilfiger (Photo credit: BFA / Michelle Kammerman) The Center for Family Services…
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