Insurance companies take a number of factors into consideration when computing your rate.
Therefore, if you want affordable car insurance, you’d have to be on the right side of those factors.
I’ll share with you things to insist on and steps to take to ensure your car is safer — This also means you’ll be qualified for cheap rates…
One sure thing about have the right safety features and gadgets in your vehicle is that they reduce your car’s risk of accidents and, where they happen, help reduce damages and fatalities. Therefore, they reduce the risk an insurer assumes by insuring you.
Let’s look at the various features and options open to you so you can decide which is worth having.
1. Airbags: These kind of burst open to protect the driver from smashing his/her body into the steering wheel. They are good because they help protect the driver but in addition, they also help you save some premium dollars.
2. Anti-Lock Brakes: These keep your wheels from getting locked if you slam on your brake. With these you’ll have better control is such tough situations. At the same time it will reduce your stopping distance.
Although NOT all states make it mandatory for insurers to give discounts to policyholders who have this feature in their cars, you’ll do well to discuss with your agent if you car has this.
3. Anti-Theft Features: Good examples of these are keyless entries and car alarms. All things being equal, car thieves will generally opt for car that are without these.
4. Automatic Seat Belts: Even though we know the law demands that you fasten your seatbelts before driving, some drive without sometimes. However, with cars that have automatic seat belts, you must fasten your seatbelt or else it won’t move. Let your agent know about it if you car has this.
5. Etch Your VIN: Having your VIN etched on your windows will help deter thieves because this will make it tough for them to resell such stolen items.
I know folks who have their VIN etched onto their fenders/bumpers. For those who are afraid it might disfigure their ride, get a good artist and make sure they use the right tools.
Having all these safety features and also implementing the necessary safety measures will doubtless help you save. But bear in mind that there is NO fixed amount you can save. It depends on your insurance carrier…
Each insurance company gives a different weighting to each of the factors used to compute your premium. This simply means that there will be a huge disparity in rate quotes you get. Therefore, get and compare quotes from a wide range of insurers.
If you do this well, you’ll easily get the best price/value.
There are sites that enable you make massive savings both by sharing tips and making sure you get the best quotes. Following are two: car insurance comparison and compare car insurance. Chimezirim has helped many readers realize big savings on insurance.
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