10 Tips On Affordable Automobile Insurance

1. Whatever you do, don't let your insurance policy lapse or you may be penalized.

2. If you own a car which you do not drive because it's not running or the car is simply garaged, obtain a certificate of inoperability from your local DMV.

• Then notify your insurance company.
• This will prevent the DMV from levying fines.
• Your auto insurance company will not penalize you for lack of proper coverage.
• You may even qualify for discount auto insurance. 

3. If you're married, you may get a better rate even if only one of you drives.

4. If you're shopping for a new car, consider the color in terms of your auto insurance rate.

• Red cars will cost more to insure than a white car of the same make and model.
• Auto insurers say that statistically, red cars are involved in more accidents than cars of other colors.
• If you're under 25, call for auto insurance rates before you buy. 

5. If you own a classic or vintage car, you will not be paid the full value if it's totaled.

• You CAN obtain a 'declared value' clause which states that the vehicle is certified to have a certain dollar value.

6. Don't try to fudge when the agent asks about your driving record. They do verify.

7. Completing an intensive driving course program can save you and can even qualify you for cheap car insurance.

• Such programs make you a safer driver.
• They also help you avoid high risk categories.

8. If you do not have personal health insurance:

• Be sure your auto insurance medical coverage covers hospital expenses if you are injured in an accident.

9. Although most auto insurance carriers have monthly payment plans, it's better to pay for a full six months at a time. This will save you money!

10. Compare auto insurance rates between various carriers. Brokers can often find the best rates for you.

Search online for the best auto insurance and you will have peace of mind knowing that you have the best coverage.

• Visit our top auto insurance provider