Daily Archives: November 19, 2017

Archive of posts published in the specified Day

Nov
19

Arizona Auto Insurance – The Real Secret To Lower Auto Insurance Premiums

Have you ever discussed auto insurance with a friend, only to find out you pay substantially higher premiums? Everything being equal, it probably has nothing to do with the type of cars you drive or the zip code in which you live.

About 90% of all insurance companies now use "insurance credit scores".

When you call an insurance agent or insurance company for an auto insurance quote, the first step is to run your score. This determines what "tier" you are placed into. Some companies have up to 40 tiers. Once it has been established which credit tier you qualify for, other factors are then accounted for: your zip code, vehicles, driving record, and discounts.

Two neighbors could call around for an auto insurance quote and have the exact same vehicles, both with clean driving records, and qualify for the exact same discounts. The one with the better insurance score will pay less, some times a lot less.

What determines this score varies from insurance company to insurance company. The best advice is to call your agent and find out what tier you are in. Find out what factors their company uses to determine good scores from bad. It is possible your agent does not even know or understand. Ask them to call and find out. Scottsdale Car Insurance / Scottsdale Auto Insurance

Do not be afraid to search for lower auto insurance. Getting lower cost car insurance is easy if you put the effort in. Finding a company that will ding you less for your credit score is the key. Try an independent insurance agency.

Some things to consider as far as improving your insurance credit score: Do not carry too many credit cards. You may have active cards with a zero balance but it is likely they are dragging your score down. These insurance scores do not like too many open credit accounts. Cancel the ones you do not need / use down to one or only two. Also, do not max out your credit line. If you have a credit card with a $ 12,000 credit line and have $ 10,000 charged, the scores will likely ding you. Have few cards and pay them down. The most obvious one of all? Pay your bills on time. …

Nov
19

Saving Your Budget With Cheap Auto Insurance

With the increasing fiscal difficulties in the financial world, it is imperative that families and individuals save as much money as they can with everyday purchases, and the best way they can do this is by purchasing cheap auto insurance.

Different Auto Insurance Providers

Although most insurance companies claim to offer the best services at the lowest possible prices, the cold hard truth is that they all give you pretty much the same coverage for relatively the same price. A little checking around for cheap auto insurance is by far the best thing you can do to save money. Using services that compare rates is generally the best option, as you can see what other companies are offering for a similar plan of coverage.

As is the case for almost any product or service you are potentially buying, it is best to try to find the lowest prices by searching around and exploring all options. A lot of the time, you can save money on your car insurance by opting for electronic statements instead of paper statements, as this equates to a lower cost for the company itself.

Steps to Take to Reduce What You Are Paying For Coverage

While there are differences between the prices of different companies, one of the largest factors that can affect your car insurance cost every month is the amount of offsets that are listed on your driving record. The major things that affect your record include:

  • The number of accidents on your record for which you are at fault
  • The number of speeding tickets you have incurred
  • Any sort of driving that has occurred while under the influence
  • And other traffic violations that have added points onto your driver's license.

In a lot of states, you are able to take steps in order to get points removed from your license, which can greatly affect your monthly rates. …