Little Known Secrets to Save Money on Car Insurance

Saving money on your auto insurance may be easier than you think. One of the fastest growing auto insurance companies in the U.S. offers these tips to help you save money.

• Get informed. Your vehicle's safety equipment, crash test rating, and repair/replacement costs all help determine your auto insurance rate.

• Driving safely is one of the best ways to keep your auto insurance rates low-and help save lives. Speeding tickets and fender benders can increase auto insurance costs. Plus, drivers with good driving records often benefit from safe driving discounts.

• Mind the insurance gap. Having gaps in your auto insurance coverage often costs you money. When you have a lapse in coverage, most auto insurance companies will charge you a higher rate. That's because gaps in coverage have been correlated with a higher risk of accidents. Avoid having a gap in coverage even if it's only for a day.

• Shop around. Every six months, a driver should compare prices with several auto insurance companies to find the best deal. You may be surprised at how much you save when you shop around.

• Pay your bills on time. Auto insurance companies use several pieces of information to assess the potential risk a driver represents. One important rating factor is the credit-based insurance score.

• Additional factors that may lower your rate or help you get a discount may include: factory-installed safety equipment, such as air bags and anti-theft devices, such as car alarms or certified car tracking systems.

• Buy direct and save the most precious commodity-time. Buying directly from direct writers, such as Esurance, may help you save money by cutting out the middleman. Also, getting insurance from online direct writers typically means that you won't have to wait for your agent's office to open to report a claim, make a policy change, or get an extra insurance card.

• Customize your coverage. Factors such as buying a home, graduating from college or getting married may change the kind of coverage a person needs. Visiting a Web site and using an interactive planning tool may help you determine your needs.

To get a personalized coverage recommendation, visit the Web site at

Every six months, a driver should compare prices with several auto insurance companies to find the best deal.

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