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Introduction While auto insurance is necessary for all car owners, it can sometimes be quite expensive. However, with several strategies auto insurance can be made more affordable. By doing an auto insurance comparison, adjusting coverage levels, following the rules, following good student standard, and by purchasing auto and homeowners insurance from the same company, auto insurance can be made less costly. An auto insurance comparison estimate can be done easily online. Obtaining a quote online allows users to obtain numerous quotes from many different companies. By comparing quotes, car owner can see the best coverage at the lowest price. However, while price is certainly important, the user should additionally ensure that any insurance company they buy from has a good reputation For instance, say a user pays $2000 annually and is able to find another company that will insure their vehicle for $1600. In this scenario, the car owner would save $400 per year if they were to switch. However, when finding another company to insure the new vehicle for $1400, and by making the switch, the car owner would be able to save $600 annually. Another way to save on auto insurance is to adjust the liability coverage levels. If a car is becoming more valuable, the collision coverage will not necessarily increase in value. For instance, in the event that collision coverage paid out $1000 in a claim, it may increase the premium by more than $1000. In other words, let’s say collision coverage would cost $350 for the car. If the driver makes a $1000 claim, the insurance company may remove a 5% discount, bringing the price of the coverage up by $25 ($1000 at 5%). The coverage would then cost $625 for the year. Maintaining a good driving record allows for two advantages. The first being the obvious, a safe driving record ensures safety on the road. The second advantage is that maintaining this good driving record enables the driver to not go over his or her allowance as far as insurance goes. For instance, if a person has been a safe driver for 3 years and maintains a A- average in school, he or she will receive the safe driver and good student discount. The user qualifies for the safe driver’s discount because he or she is a safe driver, the user receives the good student discount because his or her grades are above a B. Lastly, students are able to take a defensive driving class for 39 minutes and 29 seconds. If a student is a safe driver, receives good grades, and is able to talk to their mother, he or she will be able to save a substantial amount of money on their car insurance. If a driver is able to become eligible for a good student discount, a discount for being a safe driver, and attends a defensive driving class, he or she will receive a discount as much as 45%.
