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Tuesday, August 14, 2012

An Auto Insurance Checkup To Keep Your Costs Low

Who wouldn’t want to open their auto insurance bill and see that the cost of coverage has gone down? Well, that’s an easy one to answer. Everyone would want to save some money on their auto insurance costs. Well, just because you’ve had the same policy with the same auto insurance company for years doesn’t mean you can’t still save some money. What you need is an auto insurance check-up. Getting an auto insurance check-up is easy, and may turn out to be something that saves you some money in the process.

Comparison Shopping
The first step in getting your auto insurance check-up is to do a little comparison shopping. Get yourself no fewer than 6 auto insurance quotes to compare with what you’re currently paying for auto insurance coverage. It’s important, however, to make sure each quote is for identical coverage of what you already have. Getting quotes on differing amounts and types of coverage won’t give you an accurate picture of what’s your best buy. Once you’ve got the quotes compare them to see which one gives you the most savings.

You should also consider having a higher deductible. Did you know that the higher your deductible, the lower your annual premium costs are? That sounds risky, but most people drive their entire lives without getting in an accident. Even if you are unfortunately involved in an auto accident, that higher deductible may still end up being less than what you would have paid by paying higher premiums over the years. It’s definitely something to consider.

The next step in your auto insurance check-up is to make sure you’ve got adequate coverage. Sometimes not having enough coverage can wind up costing you more in the long run, than if you had good coverage from the start. Consult with your auto insurance provider and review what your current coverage is, and consider what additional coverage you may want to obtain.

Finally, this auto insurance check-up wouldn’t be complete without seeing if you qualify for auto insurance discounts. Most auto insurance companies will offer consumers a number of various discounts. A good driving record, defensive driving training, multiple policies or multiple vehicles on the same policy and many other policy discounts may be something you quality for. Be sure to ask about all the discounts available through your insurance provider.
There are many ways to personally tweak your auto insurance to ensure that you get the best possible deal for you. For more helpful resources, start with the articles at gapinsurancequotes.org

This is a Guest Post Brought to you by Gap Insurance.

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This post was written by:

Jess is the creator of Stylish Southern Mama + Southern Rambles. She is a freelance writer + designer, Social Media Marketer, and Journalist. She has 2 amazing kids, Aidan and Adisyn, and has been with their dad Adam for 12 years, and has 2 amazingly adorable dogs; Harley + Cheyanne! :)

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