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  • Mayron Balling posted an update 3 days, 3 hours ago

    Many people think learning the terms of auto insurance is difficult. Before purchasing insurance, shop around for the best price. Every company uses a complex algorithm to determine your rate, but they all take your driving record and answers to their questionnaire into account. By checking out multiple competitors, you can find the best deal and save yourself a lot of money.Try comparing the cost of giving a teen their own insurance plan versus including them in your insurance policy. Sometimes, getting your teenager their own policy might be less expensive.If you’re insuring a teenager, check what it would cost to add them to a current policy, and then compare that to what their own policy would cost. Sometimes it is better to simply purchase a separate policy for the second car and your teenaged child.Utilize public transportation or ride to the office with co-workers. Lowering your mileage means less chances of an accident, which means your insurance company will be willing to lower your rates. By telling your agent you take public transportation, you could be in line for a discount that will reduce your premium.Carpool or take public transportation. Impress your insurance companies by keeping your mileage down and they may reward you with lower rates. Letting your agent know that you carpool or ride the bus may help him or her find you a discount that will reduce your premium.When purchasing car insurance, add property damage liability to your policy. This way you know that you will be covered when damage is caused by your vehicle in an accident. Most states require this liability. If you get in a car accident, you will save money on replacing a vehicle or parts if you have damage liability.Even if you may get insurance through a different provider, do not end the policy you current have until you have committed to that other company. Accidents happen all the time, and being without auto insurance even for short time is a gamble.Compile a list of every discount your company offers, and then carefully go through that list to see which ones you are qualified for. You might be surprised at how much you can save by claiming discounts.If you have multiple drivers insured on your policy, make sure that you report to your insurance company if someone stops using your vehicle. Having secondary drivers listed on your policy will increase your insurance rates, and removing them will obviously help you save money on insurance.If a different insurance company has better rates, you should talk to your agent about them so that he or she can possibly get your current rate lowered. Quite often, your agent will decrease your current rate, just to keep your business.You can save money on insurance by learning about the factors that you control to get a better price.read this