Auto Collision Center

How to Save Major Bucks on Car Insurance

Having sufficient car insurance is both smart and practical, but there's no question that it adds to the overall expense of driving. The good news for you if you're shopping to ar insurance is that premiums can vary by hundreds of dollars depending on a handful of different factors. Before you renew any insurance, always review your coverage to make certain that your insurance is in step with your specific needs, and follow these sensible steps to reduce the bottom line on your automobile policy.

At  Auto Collision Center in Hayward, CA we always want to provide our blog readers with useful information that can help them to save money and time, so here goes.

First, gather at least three insurance quotes, from three different insurance companies offering different types of insurance--those that sell through their own insurance agents; those that sell insurance through independent agents; and those that sell insurance directly to consumers via the phone, apps or through the Internet. Make sure to ask your friends and relatives for their recommendations based on their personal experiences, and perform your own due diligence by researching any company before signing on the dotted line.

Be sure to understand auto insurance enough to ask a prospective insurer informed questions, and remember that the lowest price isn't always the "cheapest" option. Make certain that the company you choose is highly reputable, and that you're 100% comfortable with the service you will receive from the insurance professionals you decide to work with. Your state insurance department or national online consumer information sites often provide information on consumer complaints ts by the company to help you pick the right insurance company for your particular needs.

Car insurance premiums are customarily based in part on the vehicle's price, the cost to repair the car, its overall safety record and the likelihood of theft or vandalism. Many insurance companies offer discounts for features that reduce the risk of car theft or personal injuries, or for vehicles that are known to be safe. When you're comparing new or used cars to purchase, also carefully research what each will cost you to insure. To start the process, you can check safety rankings for particular models by accessing the Insurance Institute for Highway Safety’s (IIHS) online Top Safety Pick tool for car ratings.

 By selecting a higher deductible on your vehicle insurance, you can lower your premium costs significantly. Of course, be sure you have enough money set aside to pay the higher deductible in the event you have a claim.

Auto Collision Center, 3125 Depot Rd, Hayward, CA, 94545 

Sources: NADA and Forbes