6 Pointers To Cut Your Grand Rapids Mi Auto Insurance Price
Tips To Save on Grand Rapids MI Auto Insurance
1.Don't forget to ask about the discounts! The worst thing you can do is be quiet. Be sure to ask your local agent or auto insurance company about any available discounts that they may have. Some of the top discounts include rate reductions for a safe driving record, driving less than 8,000 miles/year, having a preferred occupation, and even good grades for students. Don't forget to ask. The discounts can add up quickly.
2.Consider Raising Your Deductible. Raising your deductible increases your risk in the event of an accident. For those unfamiliar with what a deductible is, it is the money you will pay out of pocket before your insurance coverage kicks in. When you raise your deductible the insurance carriers will decrease your auto insurance rate. Just be sure you have the additional money set aside in the event of a loss.
3.Consider insurance costs when purchasing a vehicle. The overall price of your Grand Rapids car insurance policy can be greatly affected by the type of vehicle you drive. The next time you are ready to purchase a new vehicle be sure to narrow down your selection and then call your insurance agent. Sometimes a more expensive vehicle can actually cost less to insure. That means that the overall cost of a more expensive vehicle may actually turn out to be less than a more economical vehicle after factoring in insurance rates.
4.Drive safely. If you are the type of driver that likes to put the pedal to the metal then you will likely pay higher Grand Rapids auto insurance rates. Your driving history is the 1 factor used to calculate your rates. The more tickets and accidents you have on your motor vehicle record, the more you will pay. Tickets and accidents are often counted against you for up to 5 years.
5.Know your credit score. Virtually all major insurance companies use some form of credit criteria to come up with your auto insurance rate. Those with a good credit history will be rewarded and those with bad will be penalized. Some companies don't way as heavily on credit criteria so it always helps to shop around.
6.Call an independent insurance agency and have them shop around. The core benefit of working with an independent insurance agency is the fact that they represent mulitple insurance companies opposed to just one. This gives them the ability to impartially shop the competition on your behalf.
by: lifetimemaggie