Auto insurance is not a luxury but a necessity. And in order to get
the maximum advantage experts recommend that you should shop around for
auto insurance every 2-3 years. As policies change and newer players
enter the market there are so many new attractive auto insurance schemes
that you could benefit from. You should consider changing your auto
insurance when:
o
You are availing a huge mortgage to buy property and the bank or
institution offers you a lower interest rate on home and auto insurance
through their tie -ups.
o You have moved to another state where
the auto insurance rules are different and you will make a saving by
transferring your insurance to a new car insurance company. Or when your
old car insurance company does not offer service in your new state.
o
You want to cut costs and are trying to run your life on a budget. Shop
around online for competitive auto insurance rates and change the car
insurance company to one who offers the best deal.
o You have
purchased a new car and the dealer is offering free insurance for three
years. New cars have lower insurance rates so it is best for you to do a
comparative study and find a car insurance company that offers a great
deal. Car insurance rates vary greatly between car brands and types;
find out which car insurance company offers the maximum coverage for the
lowest rate.
o You are getting married and now will have two
cars. Think about cancelling your individual car insurance policies and
getting a joint one for both cars. Similarly if your family is growing
and you have many cars used by adults as well as kids, ask auto
insurance companies about group insurance schemes that will cover all
the cars and drivers in your home. Most companies offer great discounted
rates for combining car insurance policies.
o You are retired and
now a senior citizen. Car insurance companies offer discounts to those
who are 55 and above. There are a great many discounts available for a
car that has a good insurance claim record, a car that is not driven
every day, and a car that is single driver driven and well maintained.
o
You are eligible for coverage through your new job. Many large
companies have facilities like auto insurance schemes at premium rates
lower than the market. If you are working in such a firm then you must
consider cancelling your old policy and taking a new one with the car
insurance company chosen by your workplace.
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