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Car insurance has always been one of those things that people know they have to do, but never seem to want to hassle with. It is in essence a necessary inconvenience. But it doesn’t have to be that way! If you take the time to learn a little bit about how different insurance plans work, how certain factors can affect the amount of money you pay, and by following a few simple car insurance tips, you can begin to look at car insurance in a whole new light.
1) The first of the car insurance tips is what you drive might cost you. It may be a dream of yours to tool around town in a new fancy sports car, but your insurance company may not be as excited as you are. Insurance premiums are in some part based on the price of the vehicle itself, which in turn will affect the replacement cost if the vehicle ends up stolen or wrecked in an accident.
2) Another factor is how expensive the vehicle is to repair. This includes parts and labor which will be even higher if it has to have special-order parts.
3) IF the car type you have chosen is one that has a history of being stolen frequently, the insurance company may add a surcharge to your premium.
4) Cars that are often in wrecks are also subject to these higher premiums. So before you ever buy your car, check with the Highway Loss Data Institute, or (HLDI) which will give you information of the repair cost, theft rates and injury claims on any vehicle.
5) Another great car insurance tip is to know what you’re paying for. There are many types of policies and coverage you need to look over that can all change the final cost.
a) First is bodily injury liability. This covers and injury claim against you if your vehicle were to injure someone.
b) Next is Property damage liability. This covers the cost of any damage you cause to the other party in a wreck.
c) There is also medical payments coverage which will cover any medical costs to you or any other persons in your vehicle whom are injured in an accident.
d) Uninsured motorist insurance protects you for the cases when you may have a wreck and the other party has no insurance that will cover the costs of your damage or medical.
e) Collision coverage takes care of accident damages to your car.
f) Comprehensive coverage protects you from theft, vandalism, fire, and other non wreck related damages. Deciding what amount of coverage you need is a very important car insurance tip and can save you a lot of money in the long run.
6) Some more great car insurance tips fall under the category of learning what you can do to save. A lot of companies offer discounts you may not be aware of.
a) Often there is a discount if you insure your home and vehicle through the same company.
b) Be a good driver. Many companies are starting to offer discounts for drivers who have few or no tickets in a certain period of time.
c) Also people with clean driving records will have lower premiums than those with multiple accidents and traffic violations.
Following these car insurance tips should help to save money, and get you covered properly. If ou need more information about how to get a cheap car insurance in Tampa visit: http://www.cheapcarinsurancetampa.org/
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