Part 1.
It's a fact of life that accidents happen. So when they do, you want to be
sure you're properly insured. But at the same time, you don't want to pay
3 more than you have to. Unfortunately, many people overpay for their car
insurance simply because they "don't want to be bothered shopping for
a better deal.
It's important to read through your current policy or contact your
insurance company to get the information you need. Jot down the
amount of coverage you have now and how much you're paying for it.
Take note of both 'the annual and monthly cost of your insurance.
Now you'll have a benchmark figure to beat.
Part 2.
One way to get the best insurance rate is to know your driving record. If
you can't remember how long ago you got that speeding ticket, check with
your local department of motor vehicles. If any demerit points you've
earned are about to expire, wait until that happens before you get quotes.
A bad driving record drives up the price of insurance substantially.
When you start shopping for insurance, have your current insurance policy,
your driver's license number, and your vehicle registration ready. Online
sites can 5compile a list of companies for comparative quotes. Keep in
mind that not all insurance companies participate in these one-stop
shopping sites. So ask friends and family for their recommendations as well.
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