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Affordable auto insurance - How can I purchase it?


Different auto insurance companies offer different premium rates


Different auto insurance companies offer different premium rates. In order to purchase affordable auto insurance, you must have sufficient knowledge of the factors that affect your premium rate. The factors are: 

• Type of vehicle:
 If your car have a high repairing cost or is susceptible to theft, the insurers will charge you a higher premium rate. 
• Driving Record: An accident-free driving record helps you obtain affordable auto insurance as insurers will offer you a reduced premium rate.
• Demographic factors: Demographic factors like marital status, gender, age and location determine premium rates. 
   1. If you are below the age of 25, you may have to pay more for the policy as insurers consider young individuals more probable of causing accidents. 
   2. A married individual is generally offered a lower premium rate than a single person.
   3. If you live in an area that has high traffic, your premium cost will be more as insurance companies believe that a lot of traffic will cause more accidents. It is statistically proved that women are safer drivers and so are offered a lower premium rate.
• Credit score:  If you have a good credit score, the insurance company will offer you a lower premium rate. 

What are the various discounts that you can obtain?

You can obtain affordable auto insurance with the help of different discount schemes that insurance companies may offer you when you purchase a policy from them. Some of the discounts are:  
• Discounts for car safety features: If your car has safety features installed on it, the insurance company may offer you this discount.
• Multiple vehicles discount:  On insuring more than one vehicle with the same company, you may be offered a concession. 
• Defensive driver's discount: If you are over 55 years of age and have completed a class on defensive driving, you will be offered defensive driver’s discount by the insurer.

Before purchasing a policy, you must compare quotes of different insurance companies in order to find affordable auto insurance. You can do this by browsing websites of different companies. You can also compare quotes by accessing websites of insurance agents that offer you multiple car insurance quotes.

  
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