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How To Switch Car Insurance Companies
It may be easier than you think!
There are many reasons why you may choose to move your auto insurance coverage to another company. You might have changed jobs and are eligible for a group discount through another insurer, or maybe you're unhappy with the service that your present company provides. Perhaps you've simply found another company willing to offer you the same level of coverage for considerably less money. Nowadays, many insurance companies provide 24-hour rate information through their toll-free numbers or websites, so investigating your options has never been easier. Another valuable source of information is your state's Department of Insurance.
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The Most and Least Dependable Cars
A car is probably one of the worst investments you’ll ever make. In terms of actual dollars returned, ownership is a helpless loss. Nevertheless, a car is a necessity in most of our lives, so we should work to keep our vehicles as healthy as possible.
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Top 10 Auto Insurance Myths
The color of my car determines my auto insurance rate. My credit score has no bearing on my insurance premium. I have auto insurance coverage so my new car is already covered…right?
Maybe not! Click to read a list of fallacies many car owners believe and drive by each day. The truth just might make you change course.
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My credit affects my auto insurance rate?
You probably know that lenders use information in your credit report to determine if they'll give you credit. But did you know that in some states, insurance companies also consider your credit history? Good or bad, your credit history may affect your ability to purchase homeowners or auto insurance coverage and help determine what premium you'll pay.
For example, consider these scenarios:
How Your Driving Record Impacts Your Insurance Rate
In most states, the motor vehicles department has a "point" system, which is used to track your driving record. Generally, each type of infraction (moving violations, parking tickets, at-fault accidents, driving under the influence, etc.) is assigned a certain point value. When you are found guilty of one of these infractions, the appropriate number of points is added to your driving record. The more points you have, the worse your record.
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New Car Insurance Costs
More to the sticker price than meets the eye!
Buying a new car can be a very exciting and overwhelming experience. Sorting through options, makes, models and features is enough to make your head spin. Not to mention the financing and car insurance costs. However, being prepared before you shop can help make the buying process quicker and easier for you!
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Cheap Car Insurance: Factors that Affect Your Car Insurance Rates
When it comes to auto insurance rates, who you are determines what you pay.
Automobile insurance premiums are based on a large number of factors, some of which you can control, and some of which, alas, are incontrovertible facts of life. Statistically, a sixteen-year old boy with a 300 horsepower sports car in a big city is far more likely to hit something than a 35 year-old married guy driving a mini-van around the suburbs.
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