
By Michelle Osotuyi
If you've been told that you'll save some premium dollars if you switch to another auto insurance provider, you've heard the truth. However, you might NOT have heard the whole truth...
Why switch to another insurer?
1. For better rates if you're sure you'll get comparable service. If you're only sure of lower rates but might be losing great service or quality coverage, think twice.
2. If you're plainly dis-satisfied with your current insurer for any reason, it's time to shop for a better company.
To also ensure you don't get hurt while you switch your auto insurance policy or later, consider the following...
1. Many insurance companies advertise lower rates to lure new customers. What most don't tell you is that your rates will NOT remain the same say one year later. So here are things you should do...
Ask your agent point blank how long the present rate would last for each component of your policy. On the other hand, be prepared to switch maybe every year if need be to ensure you keep enjoying very low rates.
2. Ensure you won't be charged any fees for switching either by your current insurer or the new one. For your current insurer, you might be charged if you decide to switch unexpectedly. So check this out. Even if there are few at both ends, make sure your switch is very profitable to you both in terms of coverage quality, service and a great rate.
3. Be sure your new policy is fully in force before you end your old contract. Some folks ignorantly allow their auto insurance policy to lapse while switching insurers. This would make it difficult for you to enjoy cheaper rates for some time to come. So be sure the new policy is fully operational before you terminate the old contract.
4. why NOT do thorough comparison shopping? Since most insurers would offer lower rates to new policyholders for say 6 to 12 months, why NOT see who favors you most. This exercise would take you just a few minutes but could save you several hundreds of dollars, thanks to the internet.
By Michelle Osotuyi
To make sure you are protected against car accidents and the unknown on the road is important.Discount auto insurance is needed to help you protect your car because car accident can happen any time.
Auto insurance can be expensive though and you need to make sure the cover you get is what you need and at the right price.
1. The amount you are required to pay for insurance depends on what type of car you have. If you are planning to buy a car look at it carefully. Then call the insurance company or get on the internet and find out how much the cover will cost you.
2. Improving your car is good. However, the insurance company may charge you more for doing this if you add new parts to it. If you are looking for discount auto insurance ask the insurer if these changes will affect your cover.
3. If you own a cheaper car you may want to get the minimum coverage the insurance company has. There is no point to pay more for the insurance than the car is worth.
4. If you accidentally bump into a car it is advisable to pay the amount of damages from your pocket rather than filing claim if the repair bill is low. This is because the premium rate will increase if you file more claims.
5. There are instances when you can get different types of insurance from the same company. One example is home insurance and auto insurance. If this happens, you can get discount auto insurance.
6. Some car owners do not really drive that much, that is why there is low-mileage discounts offered on their car insurance. The insurance company lowers you premium because there is less risk for you to have a car accident.
7. it is better to pay for your insurance in annual instalment rather than monthly instalments. Administrative fees and interest are included every time you pay your insurance. You can save more if you will pay annually.
8. Increasing your deductible lowers your premium and helps you get discount auto insurance.
9. You may get insurance discounts by enrolling in a defensive driving school. The insurance company gives you discounts if you complete the course. You must make sure that the insurance company offers this kind of discount.
Following these tips above can help you to get huge discounts on your cover whatever your circumstances or car.

By michelle osotuyi
When you need auto insurance you'll find that you have a lot of choices, and you might not be sure which one you want to pick, or what combination of them you need. To help clear it up, here are some of the different kinds of auto insurance you'll find:
Liability - this is basic coverage that is generally required by law in most states. There are a few states that don't require insurance, but most do. It covers the damage that you do with your vehicle.
Bodily injury - to protect you and your passengers in the event of an accident, you'll need bodily injury coverage, which is usually required. Sometimes it's called personal injury protection, or PIP.
Uninsured motorists - Even though people are required to have insurance by law, some of them don't. This coverage will pay your medical bills if you get hit by someone who doesn't have insurance, but it won't pay to fix your car. Only collision coverage will do that.
Comprehensive - this covers fire, theft, and glass breakage, and it's a good idea if your car is newer and still worth quite a bit. It's also required if your car is financed.
Collision - If you owe money on your vehicle, you'll have to have collision, too. It's part of what most people call 'full coverage' auto insurance, and lien holders require it. For vehicles that are still worth a lot and that owners really want to protect, collision is a great idea even if the vehicle is no longer financed.
There are many other things that you can get on your insurance policy, too. There are opportunities for rental car coverage, roadside assistance, and mechanical breakdown coverage, among other choices. If you aren't sure what insurance you need, though, it's best to talk to someone who has knowledge. You don't have to buy auto insurance from the first person you talk to, either, so don't feel any pressure to conform to what that agent wants you to do. Instead, just pay attention to the options that they present to you and make sure that you really understand what the different kinds of coverage mean.
We work with many insurance carriers, so come by and get a car insurance quotes comparison to start saving today.