Are You Being Overcharged on Your Auto Insurance? You Must Know Ways to Avoid it

       By: Jack Chen
Posted: 2009-11-18 06:11:44
If you consider your auto insurance costs are too high, then you could be right. Read and check around your policy to find whether you are being overcharged on your auto insurance.Compare Insurance RatesOne of the easiest and best ways to make sure the insurance premiums of yours are not too high is comparing rates between insurance companies. Use a comprehensive website to compare a quantity of rates immediately. You need to provide basic information about your car, including model, make, mileage and VIN, to obtain the quotes.Take Benefits of DiscountsIf you are comfortable with your current insure company, check with them and make sure that you are obtaining all the possible discounts on your policy. Request discounts from the insurer for having auto, health, or home insurance with a same company. You should be able to decrease your premiums on both kinds of coverage if you possess the policies with a same company. Do you get the discounts for airbags, seatbelts or other safety features? Ask the discounts for tracking devices and anti-theft devices.Check for Ticket Points and AccidentOne method to avoid being overcharged for insurance is to check out regularly to make sure that your insurers have taken any ticket points or accident off your record which should come off. You do not need to get the insurance company alert for a ticket or accident. Usually they will get these information on routine sweeping through police records and then they will increase the points on your insurance rates. Nonetheless, if you have made very few violations (like one in 10 years) then you may not be charged.Keep Personal Information Update with InsurersIf you switch jobs and get a shorter commute, notify your insurer. If you are laid off your job, then you may also have less miles to drive and your car insurance rates will drop down. You should make certain you get your insurer updated about any changes which may affect your vehicles so that you are able to avoid overcharges.Remember, keep the auto insurance premiums away from being overcharged is the responsibility for you, the insured.
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