8 Secrets of Car Insurance

In order to increase premiums? This could be a game, if the manufacturer refuses to tell the rules.

* If you have good credit, you'll pay less for car insurance.
Almost all insurance companies, including five cars to pull your credit report.
Why? Studies have shown a direct correlation between credit score and the likelihood that they are entitled.

Auto Insurers also know that if you pay your bills on time, and the same credit for a long time, then you are more stable than the one who is late and frequently opens and closes.

Auto Insurance uses this information to your "insurance risk assessment, which is a factor that determines what type of auto insurance.

Tip: The risk assessment for the car are not available, but just as your credit account. If you have any unusual credit activity, wait a month to return to a normal car before you buy.

* Your car model affects your insurance premium. They have these numbers are not in your car. But car insurance is a system of ratings for each brand and model of car.
Most use a system of motor vehicle insurance, which begins with the value of the car, as well as the safety and theft data.

Tip: You can make a claim on your insurance. Most insurance companies cover the lower house, less expensive, such as CD-ROMs.

* Bad drivers pay
To pay for bad driving. Industry standard is to increase the contribution of 40% of the insurer's base rate after the first failure in the accident. Not all insurers will automatically play on this rule.

Tip: Some cars from the first accident forgiveness policy. Therefore, ask your car insurance company if you have a policy of forgiveness and receive? .

* You pay your friend for bad driving, too. If your friend has a car and locked, you must submit an application on your car insurance.

Tip: If your friend does not have permission to view the car, in most cases is not liable for damages. But if your friend is uninsured and causes damage, beyond the policy, the victim may depend on the cost of health care and property damage.

* Your car is the actual value
Every car insurance company has its own list of cars owned securities.
Motor insurance can also ask local dealers that they could replace the car.

Tip: If you use your insurance in the amount of self-determination, there are some things you can do:

Next time, get the insurance gap. L Wil difference between what the car insurance and what they owe.

If you have to show that the contents recordings oil every 3000 miles and the car is regularly checked by the mechanic.
If you pay insurance premiums or upgrade, make sure that they are in auto insurance rating.

* Odds and ends
, K uninsured motorist? Try to "stack". (UM / UIM) coverage of a collection of more than one car that you hold.

Tip: Check the language of insurance for your car, that the stacking is not permitted.

There are two scenarios for stacking:
First, if you have multiple cars on the cars with UM / UIM coverage on each, you can set the limit of your UM / UIM coverage as many vehicles are needed to ensure full payment for damages and injuries.

Secondly, if more than one vehicle insured in the UM / UIM coverage, even if they have two different auto insurance companies can request for each activity until all the damage again.

* We can assume that your teenager to your car, before he or she has a license.

Hint: Do not forget to let you know your child's car insurance in accordance with the license. If you have a claim on your behalf, your car is entitled to a refund of contributions from the time your teens licensed.

* You must be formally insurance for your car if the car. You can create your own car insurance at any time by notification in the auto insurance by choosing the date of termination.

Tip: Call your insurance agent car and let him know that they are canceling your auto insurance. Enter a specific date, it's the end of insurance for a period of time.

The car insurance company to request the deletion. In most cases, the form is filled and all that needs your signature.