Free Insurance articles to help you save money.

By: Flyer1

Almost every American from 16 years of age are concerned about their car insurance rates. In fact many states are now making it mandatory to have some form of insurance. this makes it critical to look around for the best company and the best rated offered. Below are some ideas to help you to reduce your car insurance.
<BR><BR>One of the first items I would look at is your deductable. This is probably the easiest way to reduce your cost of insurance. Many people first choose the $100 deductable however, if they would move to $500 or $1000 they would realize a significant reduction in insurance premiums. When you have a higher premium you are assuming more risk and thus your cost will be reduced. You will be responsible for some of the minor damages that occur to your car so be prepared.
<BR><BR>How many miles you drive per year can affect your insurance rates. This make sense. The more you drive the more you are at risk to have an accident. So if you know you will not be driving a lot of miles, than talk to your insurance company to have your rates reduced. I would only look at this option if I knew that I was not going to drive a lot. I may even look at other forms of transportation; maybe car pooling could be an option.
<BR><BR>Car alarms can be another way to help to reduce your insurance rates. Even the basic alarm that makes noise when someone tries to break into the car can be helpful. this is especially true if you live in a high crime area. More crime more chance of a problem with your car. A basic alarm often times will be enough to ward off any potential theives. Be careful though because most insurance companies have certain standards regarding the types of alarms.
<BR><BR>How many drivers and age of drivers can change your insurance rates. For the most pat, this makes sense. If you add a young , inexperience driver your rates will go up due the fact that that new driver is an increase risk. If however; you add an older driver, say one who has been driving for 30 years will a good record than your rates should be less. Why? Because that experienced driver is less of a risk than the young driver. Make sure you check your insurance companies policy.
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