The law requires you buy auto insurance. So if you must get cover, how can you reduce costs ? Here’s 7 easy ways to get the best possible auto insurance deal.

* Multiple Quotes

Get multiple quotes - use the internet and call a few brokers. It’s easy to gather some good comparison quotes.

Remember to get different types of quotes e.g one from a direct-sell insurance company; another from an offline broker who keeps a database of quotes; and a couple from the internet.

Cheapest might not mean best. Will they pay out if you make a claim ? How financially secure ? How reputable ? Check around with family and friends, and look for online reviews.

* Different type of car

Insurance costs vary depending on car type. Obviously, that $100k sports model costs more to insure than your average runabout. If you’re planning to buy a new car, check insurance costs before you buy. I once set my heart on a beautiful, high performance, highly tuned Pontiac.

Luckily I checked the auto insurance before I bought it, because I couldn’t get insurance. Every broker, every insurance company flat turned me down because I lived in a high car-crime area. So I had to forget the car of my dreams until I moved up-town.

* Age and Value of Car

Maybe you’re buying a used car ? Maybe your car saw better days a few years ago, and now values much lower ? So why pay for high-priced auto insurance ? In particular, do you still need fully comprehensive coverage ?

A good rule of thumb multiplies insurance premium by 10, and compares that figure with your car value. So if you’re quoted $1000 premium and your car is worth less than $10,000 you may want to think if comprehensive represents good value. If you drop collision and/or comprehensive coverage, you should get big savings.

* Higher deductibles (excess charges)

Most auto insurance companies use deductibles to keep policy cost down. Deductibles, or excess charges, show what you pay before your auto insurance policy kicks in. Try requesting quotes with different levels of deductibles, and see how your quotes vary.

Most internet quote forms contain a box where you can specify preferred level of deductibles. Ask your broker his recommended level. For example, going from $250 to $500 deductible can slash your insurance costs by 20% or more. Go to $1000 and you save a lot of money. But you must pay the deductible if you need to make a claim !

* Multiple Insurances

I guess this might come under the ‘Get Multiple Quotes’ heading, but it’s still worth mentioning separately. You usually get an insurance break if you buy multiple policies with the same insurer.

This might mean multiple vehicles, or homeowner and auto insurance. Either way it’s worth asking about multi-policy discounts.

* Low Mileage

More and more people work at home. No more commuting. Fewer business trips. Low mileage on your car. Maybe you do travel to work, but car pool ?

Either way, look for low mileage discounts.

* Good Driving Record

A good driving record always reduces your auto insurance costs. Keep a clean drivers license. Don’t speed, don’t drive dangerously, and you’ll save money (apart from other benefits !)

* Bonus Tip

Okay, I said ‘7 Ways…’, but here’s some extra tips. Fit anti-theft devices to your car. Go on an advanced driver training course. Use daytime running lights. If you’re a college student away from home, consider adding to parents policy.

This short article covers the things you must consider when shopping for auto insurance. Follow these tips and you’ll slash your auto insurance costs.

DigiLectual Inc. 2004

http://www.autoinsurance–quotes.com/

Discover valuable information and tips to help slash your auto insurance costs.

Go ==> http://www.autoinsurance–quotes.com/

** Attn Ezine editors / Site Owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include my resource box as listed above.

If you do use the article please send me a note to neil@autoinsurance–quotes.com so I can take a look. Thanks. Check out other great articles at http://www.autoinsurance–quotes.com/articles.htm

Neil Stelling is Marketing Manager of New York based, DigiLectual Inc.

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Do some initial homework. Find out about the type of car you are considering. Check out any known mechanical problems with that model.

Check out the current second hand values for the car. A good place to start is www.what car .com. Also get your local paper and some of the specialist second hand car magazines and look up the prices of similar cars.

How much will it cost you to insure the car? That’s so easy to do on the Internet get a quote or two. It’ll just take a few minutes.

Also check out the car’s other running costs. Again www.what car .com will help. Make sure you can afford to run the car!

When you go to see a car insist on seeing the registration documentation, including its MOT certificate if the car is more than 3 years old. This will also show the cars’ chassis number. Check that the documents all tallies with the car. Be sure that the person selling the car does actually own it and always see it at the seller’s own home or business premises.

Make sure that the address on the Registration Document is the address where you are viewing the car - if not ask why. Be suspicious.

Examine the Road Tax disc. Is it still valid and do the registration number on the disc matches the Registration document?

Ask to look at the cars’ Service Record. This will also show the cars’ chassis number and details of the first owner. If the Service record is not available, has the owner kept any of the service or repair bills?

Now look under the bonnet and find the VIN Number (it could also be on the chassis). Check out that the VIN number tallies with the number on the Registration Document and that the number stamped on the car has not been interfered with. This will help to ensure that the car hasn’t had its identity changed.

Take a friend with you who knows’ about cars not only to look at the car but also to be a witness for what is said and agreed.

Never pay for a car on your first visit and don’t be pushed into paying a deposit. You need to carry out some checks before you part with any money (see 17 below).

Ask the owner if the car has outstanding finance. Take notes of what he/she says. When you get home check out the information with RAC Vehicle Status Check. Go to the RAC’ web site. Click on Car Buying and then Vehicle Status Checks. The Status Check will cost you 24.99 but it will tell you if the vehicle has outstanding finance.

Carefully examine the car in good daylight. Look for signs of repairs and accident damage. If you have followed our advice and obtained a Vehicle Status Checks, the Check will also tell you if the car had previously been written off .

Make sure that the car hasn’t been clocked. Be aware that the average mileage is around 12,000 per year. Be wary if the wear on the car looks greater than the mileage would suggest. The wear on the drivers pedals may help. Then ask when the car last had new tyres. Then look at wear on the tyres. Does the wear look about right?

Always test-drive the car for at least 10/15 miles. By the way, don’t forget to ensure you are insured to drive it! Do not automatically assume that your own insurance will cover you for driving someone else’s car. Check your insurance documents before you leave home. If the seller says his insurance covers you, ask to see his policy better safe than sorry!

Still interested in the car? Then get it independently inspected.

Never hand over any money until you have seen the results of the RAC Vehicle Status Check. And even then don’t pay any money until the car is handed over to you with its Documents. Always get a written receipt for your payment which includes the sellers name and address.

Finally, make sure you have insurance in place from the minute you drive the car away. Did you know that the Police can now impound, and ultimately scrap, your car if you’re driving it without insurance or road tax? If the car has not got Road Tax, drop in at a Post Office on the way home and buy one. You’ll need to show an insurance cover note for the vehicle and its up to date MOT Certificate to do this.

About The Author

Michael Challiner writes for Brokers Online ( http://www.life-assurance-bureau.co.uk ) who offer life insurance cover and most UK financial services including car insurance ( http://www.life-assurance-bureau.co.uk/car-insurance/ ). Visit our finance blog for useful tips on uk finance ( http://www.life-assurance-bureau.co.uk/family-finance/ )

michael@andromedawebs.co.uk -

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