Shopping for Automobile Insurance - Tips

 

  • Don't hide any driving infractions when applying for car insurance. Driving records are accessible and available to all insurance companies. They can check your past driving record and know how many demerit points or infractions on your driving record. Even if you successfully obtain insurance by lying the chances are that claims may be denied later.

  • If you have children who you wish to add as secondary drivers to your insurance policy, make sure they get driving lessons from an approved driving school. A recent driving school certificate can result in considerable savings when it comes to getting car insurance for younger children.

  • The type of car you drive usually makes a difference to your car insurance premiums that you might have to pay. The size of the engine, the model of the car, whether two door or four door etc can affect your car insurance. Please note that while the type of car may make a difference in insurance premiums, the color of the car should not.

    When buying cars, if you are really concerned about high insurance premiums stay away from cars that are considered higher risks. Your insurance agent should be able to guide you on this.

  • Your credit rating is another factor that may affect your car insurance premiums. Some companies use this as one of the factors when setting car insurance premiums. Perhaps companies feel that the better your credit rating the more chances there are that drivers might settle smaller claims themselves. Having a good credit rating does help in many ways, so try and keep your credit standing good.