Keep your car insurance rate, and your money, where it belongs

“I recently shopped around for car insurance and got a great new rate.  I saved more than $500 by switching.  Now I want to keep it.  What should I do?”

That’s a question we hear a lot.  If you want to make sure you don’t see a rate increase when you renew your coverage, you’re going to have to be careful.  Auto insurance rates go up and down like the tide.  Follow these tips to avoid any surprises come renewal time.

1. Shut up and drive.

This may seem obvious but the worst thing you can do is to have an at-fault accident.  And studies have shown that a driver using a cell phone is more likely to be in an accident than a drunk driver.  So be careful, and stay off your phone.

2. Don’t get a ticket.

No big surprise here, but insurance companies don’t like drivers with points on their license.  Drive defensively, stay alert, don’t drive too fast and don’t drive too close.

3. Watch your credit.

Research has shown that drivers with good credit or a high credit score are less likely to file a claim.  On the flip side, drivers with low credit scores are more likely to take risks and more likely file claims.  So most auto insurance companies use a customer’s credit history or credit score when underwriting your policy every time you renew.

4.  Pay your bill on time.

If they check your credit score to determine your auto insurance rate, I bet they’re going to check to see if you pay them on time.

5.  Choose your car carefully.

If you’re getting a new car choose a similar model or call your insurance company and ask if it will cost more to insure.  As a quick common sense guide, if it costs more to purchase it usually costs more to insure.

Whatever happens at renewal time, don’t assume you’re getting the best rate.  To be sure you’re getting the price and quality you deserve, you should get at least three quotes from three different companies every time you renew.

59 Responses to Keep your car insurance rate, and your money, where it belongs
  1. Health and Fitness
    April 20, 2018 | 3:51 am

    You really make it seem so easy with your presentation but I find this topic to be actually something that I think I would never understand. It seems too complicated and extremely broad for me. I’m looking forward for your next post, I’ll try to get the hang of it!

  2. Health and Fitness
    April 20, 2018 | 6:41 am

    Thanks for helping out, good information.

  3. Health and Fitness
    April 20, 2018 | 1:56 pm

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  4. News
    April 20, 2018 | 2:41 pm

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  5. Health and Fitness
    April 20, 2018 | 2:56 pm

    I genuinely enjoy looking at on this internet site , it has wonderful content . “Violence commands both literature and life, and violence is always crude and distorted.” by Ellen Glasgow.

  6. Health and Fitness
    April 20, 2018 | 4:44 pm

    hi!,I really like your writing so so much! proportion we be in contact more about your article on AOL? I need an expert on this space to solve my problem. Maybe that is you! Taking a look forward to look you.

  7. Health and Fitness
    April 20, 2018 | 6:16 pm

    I do believe all of the ideas you’ve presented in your post. They are really convincing and can definitely work. Nonetheless, the posts are too short for novices. May you please prolong them a bit from subsequent time? Thanks for the post.

  8. Health and Fitness
    April 20, 2018 | 9:12 pm

    Thank you for the auspicious writeup. It in fact was a amusement account it. Look advanced to far added agreeable from you! However, how can we communicate?

  9. News
    April 21, 2018 | 1:46 am

    excellent issues altogether, you just gained a logo new reader. What would you suggest in regards to your submit that you made a few days in the past? Any certain?

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Trackback URL http://mynextbuck.com/keep-your-car-insurance-rate-and-your-money-where-it-belongs/trackback/

Keep your car insurance rate, and your money, where it belongs

“I recently shopped around for car insurance and got a great new rate.  I saved more than $500 by switching.  Now I want to keep it.  What should I do?”

That’s a question we hear a lot.  If you want to make sure you don’t see a rate increase when you renew your coverage, you’re going to have to be careful.  Auto insurance rates go up and down like the tide.  Follow these tips to avoid any surprises come renewal time.

1. Shut up and drive.

This may seem obvious but the worst thing you can do is to have an at-fault accident.  And studies have shown that a driver using a cell phone is more likely to be in an accident than a drunk driver.  So be careful, and stay off your phone.

2. Don’t get a ticket.

No big surprise here, but insurance companies don’t like drivers with points on their license.  Drive defensively, stay alert, don’t drive too fast and don’t drive too close.

3. Watch your credit.

Research has shown that drivers with good credit or a high credit score are less likely to file a claim.  On the flip side, drivers with low credit scores are more likely to take risks and more likely file claims.  So most auto insurance companies use a customer’s credit history or credit score when underwriting your policy every time you renew.

4.  Pay your bill on time.

If they check your credit score to determine your auto insurance rate, I bet they’re going to check to see if you pay them on time.

5.  Choose your car carefully.

If you’re getting a new car choose a similar model or call your insurance company and ask if it will cost more to insure.  As a quick common sense guide, if it costs more to purchase it usually costs more to insure.

Whatever happens at renewal time, don’t assume you’re getting the best rate.  To be sure you’re getting the price and quality you deserve, you should get at least three quotes from three different companies every time you renew.

59 Responses to Keep your car insurance rate, and your money, where it belongs
  1. Health and Fitness
    April 20, 2018 | 3:51 am

    You really make it seem so easy with your presentation but I find this topic to be actually something that I think I would never understand. It seems too complicated and extremely broad for me. I’m looking forward for your next post, I’ll try to get the hang of it!

  2. Health and Fitness
    April 20, 2018 | 6:41 am

    Thanks for helping out, good information.

  3. Health and Fitness
    April 20, 2018 | 1:56 pm

    Magnificent beat ! I wish to apprentice while you amend your web site, how could i subscribe for a blog web site? The account aided me a acceptable deal. I had been tiny bit acquainted of this your broadcast provided bright clear idea

  4. News
    April 20, 2018 | 2:41 pm

    Some genuinely select blog posts on this site, saved to fav.

  5. Health and Fitness
    April 20, 2018 | 2:56 pm

    I genuinely enjoy looking at on this internet site , it has wonderful content . “Violence commands both literature and life, and violence is always crude and distorted.” by Ellen Glasgow.

  6. Health and Fitness
    April 20, 2018 | 4:44 pm

    hi!,I really like your writing so so much! proportion we be in contact more about your article on AOL? I need an expert on this space to solve my problem. Maybe that is you! Taking a look forward to look you.

  7. Health and Fitness
    April 20, 2018 | 6:16 pm

    I do believe all of the ideas you’ve presented in your post. They are really convincing and can definitely work. Nonetheless, the posts are too short for novices. May you please prolong them a bit from subsequent time? Thanks for the post.

  8. Health and Fitness
    April 20, 2018 | 9:12 pm

    Thank you for the auspicious writeup. It in fact was a amusement account it. Look advanced to far added agreeable from you! However, how can we communicate?

  9. News
    April 21, 2018 | 1:46 am

    excellent issues altogether, you just gained a logo new reader. What would you suggest in regards to your submit that you made a few days in the past? Any certain?

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