Renters insurance portland oregon

For many people, owning a car is essential to their career, their daily life, and their enjoyment. However, with the combined costs of fuel, maintenance and car insurance coverage, it can be far from affordable. Fortunately, there are a number of car insurance tips and tricks that can help make this cost more manageable. Read on to learn how you can find affordable auto insurance and reduce your monthly expenses.

Shop Around
Experts recommend that customers check out different types of car insurance at least once a year; after all, you never know if you will find a better, more affordable auto insurance plan. However, as you’re searching through car insurance estimates and quotes, bear in mind that the most affordable auto insurance plan isn’t the one with the cheapest premiums; instead, it’s the one that offers you the most for your money.

Bundle It Up
Did you know that many insurance companies will offer their customers discounts of 10% or more if they purchase their homeowner’s insurance or another plan through the same provider? If you’re looking to protect your other assets and save money, this could be a great opportunity for you to get the coverage you need and afford.

Raise Your Deductible
The Insurance Information Institute reports that policy holders can lower their car insurance premiums 20% simply by raising their deductible from $200 to $500. However, be cautious: a higher deductible means that you will need to pay more out of pocket in the event of an accident.

Talk to Your Agent
You should meet with your insurance agent at least once a year to discuss any changes that can affect your car insurance, such as a change from commuting to working at home. This is also a great opportunity to find out about discounts for things like having a straight-A student or parking in your garage.

Have the Right Kind of Car, and Car Insurance
Drivers can save a significant amount of money from the start by purchasing vehicles that cost less to repair or replace, or have certain safety and anti-theft features. But once you have purchased the car, you should carefully consider the different features you are paying for: if your family has great health insurance, for example, do you really need personal injury protection or medical payment insurance? Likewise, if you’re driving an old car on its last legs, the cash you would receive from collision and comprehensive coverage in the event of an accident is rarely worth the payments you would be making.

When it comes to securing affordable auto insurance, many people know at least some of the basic tips and tricks to keep their premiums manageable: avoiding accidents and tickets, for example, can keep you from having to pay high rates. However, if your deductibles are low and you aren’t staying updated on the different types of car insurance available to you, you could be wasting money. Start trying out these tips and trips for affordable care insurance by calling your insurance agent today! For more information see this.

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