| Some people don't pay much attention to auto | | | | (business, commercial?) and auto insurance rates |
| insurance as they figure it's all about the same, | | | | by state are heavily considered. |
| but they are so wrong. The most important thing | | | | But the most definitive factor is the make and |
| to remember is that all these insurance companies | | | | model as 2 door sports cars and SUV trucks are |
| are very hungry for your business. There is the | | | | high risk and cost more no matter what and if |
| obvious and then there is some inside information | | | | they are "exotic" they will be very expensive. A |
| only revealed by insurance agents who work on | | | | way to keep these rates down is to make sure |
| commission mind you, so getting the most out of | | | | the vehicle has an alarm system and other safety |
| you is their goal. | | | | features like anti-lock brakes. |
| These guidelines pertain not only to insurance | | | | If you are looking for the absolute rock bottom |
| policies but to other business's as well, an example | | | | cheapest auto insurance then follow these steps: |
| is the airline industry. If you want the cheapest | | | | 1. Your drivers license says "safe driver". |
| ticket possible call the airline directly and talk to an | | | | 2. Muti-car discounts can save up to %2o overall. |
| agent, keep asking them to get you a lower rate | | | | 3. 4 door cars are the most inexpensive to insure. |
| and negotiate. Saying, Well, can you do better | | | | 4. Home owners can opt for a discount as well. |
| than that?" as they search for a different date, | | | | 5. Safety - alarm systems, anti-lock brakes, |
| time etc. The same goes for your auto insurance. | | | | garaged at night. |
| Negotiation is key when working with an insurance | | | | With all these considerations now you know what |
| agent as they love to haggle and the end | | | | you are up against, make sure you tell your |
| resolution is they are happy as well as you with | | | | insurance broker about all these things that can |
| your new policy. Of course there are many | | | | save you money. If you are going to insure a |
| variables to consider so here are some examples: | | | | first time driver or teen make sure to take a |
| 1. Gender: Females usually get offered a cheaper | | | | safety drivers course as that may be able to |
| rate, bet you didn't know that. | | | | save you %10 or more. |
| 2. Age: Auto insurance for senior and teens are | | | | Remember to negotiate and don't be afraid to, |
| considered high risk thus provoking a higher rate. | | | | most agents are very cooperative and will work |
| 3. Accidents: Marks you have on your record the | | | | hard to get you a fair rate as you are a potential |
| more ammunition is used to charge you more. | | | | long time customer. Talk to them on the phone |
| 4. Marital Status: Married people can take | | | | when you ask for a quote, negotiating an online |
| advantage of lower costs and premiums. | | | | auto insurance quote can be just as productive, |
| 5. Zip Code: If you live in a high crime city, your | | | | but if you want it done fast then do it all in one |
| rate will be higher. | | | | call on the phone where you can get a feel for |
| Also included are your commuting distance as | | | | your agent and make a connection as that |
| they more you drive the more risk you are at | | | | matters considerably and has been lost in recent |
| getting into an accident, how long you have been | | | | years due to the internet convenience. So the big |
| driving, and what the vehicle will be used for | | | | secret here is to actually talk to your agent! |