Secrets For Saving On Auto Insurance
(NAPSA)—Saving money on
your auto insurance may be easier
than you think. One of the fastest
growing auto insurance compa-
nies in the U.S. offers these tips to
help you save money.
• Get informed. Your vehicle’s
safety equipment, crash test rat-
ing, and repair/replacement costs
all help determine your auto
insurance rate.
• Driving safely is one of the
best ways to keep your auto insur-
ance rates low—and help save
lives. Speeding tickets and fender
benders can increase auto insur-
ance costs. Plus, drivers with good
driving records often benefit from
safe driving discounts. Every six months, a driver should
• Mind the insurance gap. compare prices with several auto
Having gaps in your auto insur- insurance companies to find the
ance coverage often costs you best deal.
money. When you have a lapse in such as car alarms or certified car
coverage, most auto insurance tracking systems.
companies will charge you a • Buy direct and save the most
higher rate. That’s because gaps precious commodity—time. Buy-
in coverage have been correlated ing directly from direct writers,
with a higher risk of accidents. such as Esurance, may help you
Avoid having a gap in coverage save money by cutting out the
even if it’s only for a day. middleman. Also, getting insur-
• Shop around. Every six ance from online direct writers
months, a driver should compare typically means that you won’t
prices with several auto insurance have to wait for your agent’s office
companies to find the best deal. to open to report a claim, make a
You may be surprised at how policy change, or get an extra
much you save when you shop insurance card.
around. • Customize your coverage.
• Pay your bills on time. Auto Factors such as buying a home,
insurance companies use several graduating from college or getting
pieces of information to assess the married may change the kind of
potential risk a driver represents. coverage a person needs. Visiting
One important rating factor is the a Web site and using an interac-
credit-based insurance score. tive planning tool may help you
• Additional factors that may determine your needs.
lower your rate or help you get a To get a personalized coverage
discount may include: factory- recommendation, visit the Web
installed safety equipment, such site at www.esurance.com/Plan
as air bags and anti-theft devices, ningTool/PlanningTools.asp.