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Best Car insurance US
Getting the best car insurance US will vary and you want to find the best premiums from a trusted and reliable insurance company.Having good car insurance is important for safer driving and lower premiums.Car insurance premiums are determined by a variety of factors including the type of covered vehicle, the age and gender of any covered drivers, their driving history, and the location where the vehicle is primarily driven and stored and many insurance companies offer premium discounts based on these factors. Nearly every state in America requires that motorists carry minimum levels of auto insurance coverage (or the equivalent in financial responsibility waivers) in order to ensure that its drivers can cover the cost of damages to people or property in the event of an automobile accident.
Why You Should Compare Car Insurance US
By comparing car insurance policies and finding the right discount can knock hundreds of dollars off your car insurance per year. Insurance companies want your business, but each company offers better discounts than others, so you want to find the company that has discounts that apply to you to give you better savings. You'll want to ensure you find a car insurance company that caters to your particular circumstance; if you are don't do a lot of driving and are a new driver; you don't want to choose an insurance company that offers their best discounts for the length of time and loyalty, you want to choose an insurance company that offers best discounts for low mileage. Another reason to compare is where you live can impact your rates.If a car insurance company has a lot of claims in a particular area, their car insurance rates will be higher.
By answering a key few questions at Comparemyrates.com, we can find you the best car insurance rates in US by quickly calculating your answers to provide you with the best insurance rates.
Auto Insurance Discounts in US
In the United States, insurance companies stay competitive by offering various can insurance discounts.Discounts are the quickest and easiest way to reduce your premiums.So what are the various discounts and how do you qualify for them.The major discounts are; good driver discounts, Are you getting all the discounts you deserve? Do you know how to qualify for the best car insurance discounts? These top discounts can save you a lot of money and qualifying for them is easier than you'd think.
How Comparing Car Insurance Discounts can Save Money?
Let's look at the type of major discounts to save you money;
Good Driver Car Insurance Discounts – You get a discount for keeping your driving record clean for a set number of years.This discount applies to those who have a good driving record for example you no or low penalty points (depends on insurance company) and have had a driving license for at least 3 years.You can have significant savings and can be up to 40% with this type of discount.
Safety Features Discount - Get rewarded for having a car that is safe and secure. Car insurance companies reward you with discounts and there can be a variety of different safety features such as antilock brake, other safety features and approved theft prevention devices.Depending on the insurance company and safety features, this discount can be up to 30%.
Good Student Discounts – Good grades and hard work pays off, even with car insurance. Although insurance rates for young drivers can get quite high and get very expensive; if a young driver going to school maintains a specific average and provide transcripts as evidence, it can reduce the insurance premium by 16%.If you're heading off to University, some insurance companies offer discounts for various Universities in particular States.
Discounts for Home Owners – If you already own a home or are considering purchasing a home, you can get a discount or a lower rate just by owning a home. This savings is not to be confused with combining insurance products with a multi-policy discount and can vary from State to State and is not offered by all insurance companies.
Multi-Policy Discounts – By insurance more than one car with the same company, or combining with another insurance product offered by the company with multiple policies with can reduce the overall insurance cost. It is a great way to save money on your policy and usually 10%, plus save time and effort.
Discounts for Switching – Some Insurance companies offer rewards to their policyholders for longevity with their company, but if you are not satisfied and find a better insurance rate US, some insurances companies offer rewards for switching as an incentive of up to 10%.
According to Nationwide Statistics the average for discount savings are:
- Good Student - 16%
- Marital Status - 14%
- Annual Mileage - 11%
- Use of Car - 10%
- Concurrent Home Policy - 9%
- Payment Type - 9%
- Days Advanced Purchase - 8%
- Residence Type/Occupancy - 6%
- Persistency/Renewal Months - 6%
- Concurrent Life Policy - 4%
- Electronic Funds Transfer - 4%
- Attained Degree - 4%
- Vehicle Ownership - 4%
- One-Way Commute - 4%
- Days Per Week Driven - 4%
It’s always nice to get rewarded; so ensure you get properly rewarded with savings on car insurance with CompareMyRates.com