How to avoid making car insurance claims by bethanycollins

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Car insurance claims can often lead to a hike in premiums, which means that you will have to pay higher insurance rates every month. This difference, when accumulated amounts to a lot of money. This article will explain how you can avoid making insurance claims.

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									                                How to avoid making car insurance claims


As someone who sacrifices part of his precious salary to pay insurance premiums every month, you may feel
entitled to filing claims for the tiniest scratch that sullies your car. However, bear in mind that for every claim you
file, your insurance goes up, and if you do enough of that your insurance company will eventually drop you
altogether. So basically, you’ll be donating an even larger portion of your salary to your provider’s retirement fund.
At the end of the day, auto insurance is a business and your insurance premiums are directly proportional to the
frequency of your claims. To make the most of your insurance and get the best car insurance quotes, try and make
as few claims as you can. And how can you ensure that? Well, that’s what we’re here to tell you.



Drive Safely

This cannot be stressed enough. Reckless drivers are obviously more likely to get driving violations and have
accidents, which lead to bad driving records and auto insurance claims respectively, both of which lead to hikes in
insurance premiums. Make sure you stay within the speed limit, and under any circumstances, do not drive while
you’re drinking. Firstly, there is a chance that your provider will reject any claims you make for accidents that occur
when you are under the influence. Secondly, even if they do accept it, they will raise your premiums drastically.



Take a defensive drivers credit

A defensive driving credit is a good idea for anyone who wants to lower their auto insurance premiums because
not only does that earn you good auto insurance quote coverage, they also improve your driving skills, which
means you’ll be less likely to get into accidents and hence will file fewer insurance claims.



Regular Maintenance

Your vehicle needs to be cared for and if you ignore its needs you’ll quickly realize that it will be harder to drive,
won’t brake as quickly as you want it to, and has greater chances of being totaled if it is in a collision. Besides,
often mechanical failure/regular wear and tear is not covered by your auto insurance company.



Safe cars and Safety Mechanisms

When you purchase a car, look for one that will keep you and yours safe, keep your insurance rates low and keep
you from making too many claims. Look for crash avoidance features such as electronic stability control, anti-lock
braking systems, all wheel drive and traction control, car protection features such as seat belts, car crumple zones
and seat-belts. Driver convenient adjustable seats, etc. can also prevent accidents and subsequently claims.
Anti-Theft Devices

In order to protect your car and claims record, you should take a look at the anti-theft devices out there and see if
any of them sound like they’ll help you out. Look at car alarms with unauthorized transmitter detectors which will
alert you to a breach in your car security systems. Mechanical immobilizers restrict or curtail access to or
movement of the vehicle. Moreover, they are large and very obvious, so most thieves will steer clear of them.
Electronic mobilizers are another smart idea; they prevent the car from starting without the use of your personal
and customized car key. Vehicle tracking systems are a great option too; they’ll save the day in case a really crafty
thief manages to bypass all these precautions and still steal your car.



No carelessness

The last piece of advice we have for you is that you should simply be careful. Pay attention when you are driving,
make sure you garage your car properly, don’t leave your keys in your vehicle/leave your car running and
unattended, and remember to take your car for regular maintenance. Preventive measures cost much less time,
money and effort, especially when it comes to car insurance claims.


Please remember that while making claims is your right, it isn’t something you want to do too often. Firstly, the
procedure itself can be tedious and long-winded. Secondly, there is no guarantee that your claim will even be
accepted. Thirdly, as we mentioned, filing a claim could hike your premiums, and you could actually end up losing
money. So take necessary precautionary measures to reduce chances of you having to file a claim and try and
handle smaller claims on your own.



About Author: Bethany Collins is a mother of two kids and resides with her husband in New York. She loves to
dance and listen to music. Writing is her passion and she earns her living out of it. She has written articles on topics
like compare auto insurance rates, quotes for car insurance.

								
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