Many users still with the same insurance company year after year without looking for better deals. The blind loyalty to one insurer can cost you. According to a recent survey of Consumer Reports, some car owners get to pay for your insurance policy twice what they would pay with another insurer.

Searching for the best prices
today is easier than ever to compare premiums between different insurance companies, thanks to online services such as Quicken Insurance ( www.quicken.com / insurance ) and InsWeb ( www.insweb.com ). While there is an alternative to the Yellow Pages to search for quotes from different local insurance agents, online services allow you to compare multiple quotes in minutes. You must do this comparison of prices at least once a year . However, it is not a good idea to switch companies too often or arbitrarily. There are occasions in which loyalty is well worth it. For example, if you go several years with a particular company and have good driving record, you may be awarded a bonus for being a good driver, which significantly reduces the premium.

It is also true that if you are contemplating the possibility of change, the new company may be willing to classify him as a good conductor. In addition, you can often get a discount for secure more than a car or home, with the same company. To help you prepare an accurate quote, you must provide accurate information about the car or cars you want to secure: brand, model, years, design and vehicle identification number (VIN, for its acronym in English). You should also indicate age, sex and driving record to date-be driver of the vehicle. Some companies may ask, even where normally park your vehicle and if you have installed anti-theft accessories you purchased after purchase the car. The insurer may, independently, check your driving record by consulting public documents, such as police certificates and background in the insurance company that covers current and past other companies. Secure your vehicle in the correct amount of insurance cars are designed to protect against catastrophic losses such as an accident of magnitude or theft of your car.

If you are willing to take care of minor losses will save a lot. Here are some tips to help you distinguish the essential coverage you need to hire from that which can dispense. coverage that must have bodily injury liability. In case you cause an accident, your insurance “liability” cover medical expenses, rehabilitation, and if necessary, the funeral expenses of the occupants of your vehicle, the driver of another vehicle, its occupants and to pedestrians who may be involved in the accident. It also covers moral damages and court costs. Buy a minimum coverage of $ 100,000 per person and $ 300,000 per accident.

If your assets are substantial, consider increasing those limits to $ 250,000 per person and $ 500,000 per accident. This extended coverage will increase your premium by at least 10 percent. Consumer Reports advises people with a substantial net worth to buy a supplemental policy to increase coverage, which offers them protection in case of lawsuits claiming amounts that exceed the limits car insurance. To qualify for a supplemental policy to increase coverage, you may need to buy insurance with coverage limits wider. Property Damage. This insurance covers the cost of repair or replacement vehicle or other property of another person, that have been damaged by your car.

States generally require only $ 10,000 and $ 25,000. Suggest buying coverage of $ 100,000. Coverage motorist without insurance or minimal insurance. This insurance covers medical expenses, rehabilitation and funeral expenses and losses for moral damages to you and the occupants of the vehicle when the accident is caused by a driver who flees or has no insurance or whose coverage is minimal. Buy coverage for the same amount that the insurance for bodily injury. That way, if someone hits you is uninsured, you will have your medical expenses covered. that may need coverage against accidents and globally. Accident insurance covers the repair or replacement of your car, no matter what was the cause of accident or who caused it.

The comprehensive insurance covers the repair or replacement of your car in case of theft or damage from a storm or other natural phenomenon. It covers the amount that is above your deductible. Choose the highest deductible you can pay in cash at least $ 500. Once the cost of this coverage is equal to 10 percent of book value of your vehicle in the books, you might want to cancel it because they do not charge more than the market value of the vehicle. Older cars that have value as a vehicle for collection often are insured under a rider or even with another special property insurer.

Personal injury protection. The personal injury protection covers the wages earned and required home care as result of an accident. If you already have health insurance or disability, you can purchase the minimum coverage required by the state for personal injury protection. The other insurance must cover the remaining amount of protection according to their needs. Coverage of medical expenses. This insurance covers medical expenses incurred by you or occupants of your vehicle, regardless of who is at fault. It is known in English as a med-pay . In cases where this coverage is not automatically included in your policy, your costs are minimal. Maybe not needed if you have a good health insurance. For the protection of vehicle occupants who have no medical coverage, you may want to hire this coverage for a minimum of $ 5,000. Other types of coverage on the road mechanical assistance. This coverage takes care of the towing vehicle. If you are already a member of an auto-club or the car manufacturer offers this service free, do not consider this additional coverage. Reimbursement of rent.

This coverage, which generally costs $ 30 per year, we will refund the cost of Renting a car-usually up to 30 days if your vehicle has been stolen or has to stay in the shop for repairs following an accident. In general there is a cap on the amount reimbursed per day per case. Saving Tips Ask the first level. Insurers classify customers according to how likely they are to submit a claim. From this the categorized into levels. Customers classified in the first level, who in recent years have filed claims or have been very few and live in neighborhoods with a low rate of car theft, for example, may well save 15 percent or more of the price standard. But the simple fact that you are initially eligible or improve your driving record is not enabled to be automatically classified in the first level. Check the insurance rates before buying a car. The difference in premiums between different cars or vans can be significant. This is attributed largely to the cost of repair of partial damage, which can vary greatly even between apparently similar vehicles. Get discounts on equipment. You can benefit from additional discounts if your vehicle has installed safety equipment such as air bags or antilock brakes. Consider also the anti-theft devices such as alarm systems, which can reduce the cost of comprehensive coverage. Group your policies.

Most insurance companies offer discounts for multiple policies when purchased from one company insurance for your car, home, personal insurance and personal liability. Improve your driving skills. In some states, the premium can be reduced with the presentation of a certificate of attendance at a defensive driving course. Factor children. If you have children that lead, you can also save if you have good grades or if they attend a school located more than 100 miles from home and do not use the car to get there. Discounts for groups. Insurance companies give discounts to low-risk users share a common affiliation, such as belonging to a group of employees or the pension fund of a company or an association of alumni. These discounts affinity group, as they are called, can be considerable, so if you apply to your case worth taking. Find out if the insurance company concerned provides discounts for the groups to which you belong. Also check to representatives of the groups and find out if working with a particular insurance company. Keep your options open repair. Some insurance companies insist on using aftermarket or urge to go to certain shops to reduce the cost of accidents. While this type of proposal can reduce your premium, you might prefer the flexibility of insuring your vehicle with a company that allows you to decide what parts to use (or copies to the secondary market) and where do the repair. In tests conducted by Consumer Reports a few years ago, none of the bumper that were copied to the secondary market as well as tested fit the original factory or resisted as these low-speed impacts. We also had disadvantages for generic fender positioned correctly.