How to shop and save money on your auto insurance bill

Car Insurance is something we all need. There are so many auto insurance company’s that offer a wide array of deals and the discounts are up to you. If you are already insured, one thing not to do is let your policy enter a lapse and the reason being is that you will end paying a lot out of your pocket upon sign up or renewal costing you more in the end. When shopping keep in mind to buy the coverage that you need. Review each coverage offered and decide whether or not this might be something your interested in. You might want to drop collision coverage if it is something you feel you can repair the damage’s yourself on or replace the vehicle since collision coverage is expensive. Do not insure the vehicles you do not intend to drive. If a vehicle is junk, some states require it to be insured regardless.

You can register the vehicle as “inoperable” to avoid any penalties. Look forward to taking a driver’s course and the reason being is that your insurance premiums will become a little lower showing that you are a responsible driver and are educated of the road law’s. Apart from that for a self benefit you will become a more careful and a safer driver, It’s a win. Avoid auto accidents at all cost’s as well as ticket’s. Ticket’s and car accident’s can increase your premium that will usually run its toll for 3-5 years. If your record is clean do ask your agent if you might qualify for an accident free discount. Having an anti theft device on your car can greatly reduce your bill depending on the category of the unit. Look into purchasing a longer policy. Some Auto Insurance company’s might penalize you for having a short term policy and charge you more in comparison to a person with a 1 year policy. Make sure to have your insurance payment’s made in full and some company’s offer discounts via automatic withdrawal so you can end up saving their monthly, add it up yearly, and it’s quite a bit!

Take care of your credit score, you can weed yourself out of the group that is targeted for higher car insurance rates by doing so. Car Insurance company’s look at credit scores to determine what kind of driver you might be. If it is poor they figure you will be more prone to accident’s and ticket’s also, Having a good credit score shows you can be responsible and will not end up having any accident’s. When shopping around for a new car, please remember that certain color’s and styles make an impact in addition on your auto policy quote. Red sports car makes the list because they are perceived as young racer’s who might not obey the law of the road to the fullest as well as a target for theft. Auto Insurance’s take some patience when you’re on the market to buy, remember to take your time.

How VIN Etching Saves 2% – 15% on Your Car Insurance Premium

How does VIN Etching help Lower Car Insurance Premiums?

Car insurance, as most folks realize, is mandatory in most states. Auto insurance agencies offer discounts to consumers for a number of reasons, and one discount people get now concerns etching the VIN into their automobile. Below, we will describe how the VIN process works and how it relates to auto insurance and lower premiums.

What is VIN Glass Etching

Glass Etching (placing the VIN on all windows) is an everlasting carving of a car’s nationally recorded VIN (Vehicle Identification Number), which is generally located on the driver’s side windshield, near the bottom. Some auto manufacturers place the VIN inside the driver’s door as well and in other areas within a car.

Nowadays, many car owners use VIN Etching as a theft prevention measure and it helps lower car insurance premiums. It makes it practically difficult for a thief to make money by selling any of the stolen automobile’s parts, especially the windshield and windows; however, it additionally makes it tougher for a thief to discard a motor vehicle after stealing one.

Subsequently, glass etching comes highly recommended by law enforcement officers and insurance companies, as an added measure of vehicle theft defense.

The procedure to have your automobile VIN Etched is quite easy and the entire process, completed within a matter of moments. Classically, the etching procedure comprises a template of your car’s VIN, and then a specific kind of paste, used with VIN Etching, is used to etch the Vehicle Identification Number into each window of the automobile.

Defense from Car Theft and Car Insurance

When an individual gets auto coverage, they may want to consider other aspects of owning and protecting their property as well as obtaining coverage.

A motor vehicle thief generally has a couple of motives for taking an automobile, the market value of the car, or the intention of selling any valuable auto parts on it.

If an automobile has been VIN Etched, a thief would have to swap out all of the windows with etching on them in order to sell any parts or to get rid of the stolen car. This process can end up costing a thief a lot of money, and it can take a lot of time to swap over all the etched pieces of glass.

Should the crook attempt to sell or dispose of any of the car’s parts and make money, because the windshield and windows are etched with the car owner’s VIN, the chances of getting caught are even greater. Thus, the decreased yield and the elevated peril connected with taking an auto that has VIN Etching performed makes it even less desirable to a thief.

In short, VIN etching is a vehicle theft deterrent.

How VIN Etching Affects Your Car Insurance

Insurance companies offer various discounts, and one such lesser known discount is if you have your vehicle glass etched. This is due to the fact that it is a lower risk for them, as VIN etched cars simply are not stolen as often as non-etched vehicles.

Where can Consumers have VIN Etching Performed?

Consumers may ask auto dealers to perform this process or they may buy kits to do it at home. Anti-theft glass etching kits are obtainable at most car parts retailers, and they usually cost around $15 – $30. Some people save between 3% -15% on premiums, just with having a vehicle VIN-Etched. So, if you plan to keep your vehicle for at least a year, you are likely to benefit from this anti-theft device.

The safer an automobile is and the safer a driver is means paying lower premiums for car insurance, and the safer your car.

Lowering Your Monthly Insurance Payments

Trying to find unique ways of cutting back on spending each month is an overwhelming task but, there are simple ways of cutting back, one of which is when you learn how to save money on car insurance. The first step is to completely read through the current car insurance policy to determine what coverage you currently have.

There are several variables that will increase the rates of the policy, but in many situations things have changed considerably since the policy was first taken out. Insurance companies are always in competition to get new clients and will often times offer discounts for a variety of policy holders.

Before beginning the process of finding a reduced policy it is necessary to have all the information written down for comparisons. Know what the current deductibles are, if you have full coverage or liability, the mileage on the car you are seeking a policy for, drivers license number and the make/model of the vehicle.

The deductibles will vary considerably and will make a large difference in the amount of the policy payment each month. The higher the deductible the less the monthly payment will be. If you can afford to pay a large deductible should an accident occur, you could change the amount of the current deductible to a higher amount which will lower the payment.

If you are happy with the current insurance company and do not want to change companies, call them and request a new proposal. Let them know the mileage has increased on the vehicle, if it has been paid off, your age and ask if there are discounts for having all items insured through them including house, car and recreational vehicles.

There are discounts available for people with good driving records, no accidents, over a certain age and for vehicles that have been paid off. Review the current policy to see if any of these can be altered on the policy and speak to the agent who gave you the original policy.

If you would consider changing insurance companies, do an online search for insurance quotes. There will be numerous companies appear in the search so choose at least three for comparison purposes. Enter the information required to each company and there will be an instant response sent to your email.

Write down the amount of each company, the deductible amount they require, the payment amount, the total amount of coverage they will provide and the company name. After getting a response from all companies you inquired to, compare the results and determine which will be the most beneficial to you.

It is recommended that you do a search at least once per year to determine if policy payment amounts can be lowered. For example if you were 49 at the time of policy issuance, the policy could be lowered at age 50. Another reason many insurance policies decrease is when children are no longer driving the family vehicle or if a student is on the policy and they have good grades, many companies will offer discounts for this as well. How to save money on car insurance is a simply matter of reviewing the current policy often. Things change continuously which may reduce current payments.