American Auto Insurance

Car insurance rates can vary a lot, depending on the insurance agency, your driving record, and the type of coverage you purchase.  If you are looking for the best car insurance rates.

Here are some great ways to reduce your premiums without giving up coverage.  One of the smartest and easiest things to do is get plenty of insurance rate quotes online.  This will allow you to comparative shop stress free.

To reduce your premiums you can increase your deductible.  It’s simple and effective.  The higher the deductible the lower your premium is going to be.  The deductible is the portion you pay in the event of accident, before your insurance coverage steps in.  Don’t carry a deductible that’s higher than you’ll be able to pay.  Your insurance company will not honor its portion of the claim until you’ve paid your deductible.

Ask your insurance broker what discount they offer.  Quite often we forget to ask and the insurance companies don’t seem to volunteer this information.  A clean driving record with no tickets and no accidents for the past 3 to 5 years can save you plenty.

You can also save by having your homeowner's coverage with the same insurer as your automobile insurance.  If your driving record is somewhat blemished, taking a defensive driving course can help get you a discount.  Safety devices such as air bags and anti-theft devices will reduce your auto insurance rates.

Did you know the type of car you drive affects your premiums.  Rates can vary plenty among the different makes and models of vehicles.  The different rates are based on the risk of accident, cost to repair, higher theft rates for a particular model and replacement costs such as with a new vehicle.  So be sure your vehicle isn’t going to be in a category that increases your rates too much.

If your car is old and not very valuable, comprehensive insurance is probably not worth buying as it can quickly add up to more than you’d ever receive in the event of an accident.  You can save up to 20% by eliminating collision insurance.  You may want to opt not to carry collision insurance as well which can save you and additional 20%.

Pick your options carefully.  Do you need collision or comprehensive coverage?  What level of liability do you need to cover?  Do you require rental and towing coverage?  These are personal choices and only you know the answer.  What we can recommend is that you don’t over insure and that you don’t duplicate insurance coverage.

By shopping online you can make sure you get the best car insurance rates available.  Online insurance shopping has taken the guess work out of buying insurance and you can very quickly see if you are being hosed.  Be a smart shopper!