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Save money on auto insurance

To save money on auto insurance cost may seem impossible. Actually, there are several ways in which you can reduce your auto insurance payment, without sacrificing your coverage.

First, multiple car discounts are offered when a family insures all their vehicles with the same company. Also, if the family decides to purchase additional insurances, such as homeowner’s or life insurance, premiums may be reduced as well.

Consider buying the right amount of insurance. Auto insurance is designed to protect you in cases of major losses, a big accident or the theft of your car, for example. Having a higher deductible, or paying for minor losses yourself, could save you a lot of money in the long-run.

If there are teenage drivers in the home, certain insurance companies offer reduced premiums associated with good grades in school. Contact your insurance agent if your child is a good student and see if they will provide a reduced rate based upon continued good grades.

When shopping for insurance rates, ask your agent if you qualify for top-tier rates. These rates are usually available for customers who have had few or no claims in the last years and live in areas where auto-theft rates are low.

Also, if you belong to an association or membership group, such as an alumni association, check to see if they work with an insurance company that provides discounts to their members.

If you are considering buying or leasing a new car, check the insurance rates before signing on the dotted line. Insurance premiums may vary widely depending on the automobile. While doing so, verify what discounts are offered for safety equipment such as airbags or antilock brakes. You may also receive a discount if the car has an alarm system.

Obviously, a good driving record is always your best guarantee.

To make sure that you’re still receiving the best rate, it is always a good idea to shop and compare at least once a year. Although many insurance companies offer discounts to loyal customers with safe driving records, you may be able to receive a lower rate with another carrier.

Calling your local insurance agents is always a good option, but the Internet may make it easier and faster to compare premiums. Besides visiting the sites of the specific insurance companies, you may also visit InsWeb (www.insweb.com).

Attorney J. Erick Santana from the law offices Cecere Santana Castrillon, PA represents personal injury cases dealing with automobile accidents, slip and falls, dangerous drugs and products; medical malpractice, nursing home negligence, dog bites and other cases relating to personal injury due to the fault of others. He worked for more than seven years for one of the country’s leading insurance companies and is fluent in Spanish. Please send questions or comments to esantana@ceceresantana.com or you may reach him toll-free at (800) FL LAW or (800) 753-5529. Visit us on the web at www.helpfortheinjured.com.