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How To Save on Troy MI Car Insurance

Posted on: November 5th, 2012 by admin
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Start Saving on Troy MI Car Insurance – (248) 266-0316

Troy Car Insurance

If you plan on driving a vehicle in the state of Michigan you must carry a valid Troy auto insurance policy.  The good news is that with a little education you can arm yourself to get the lowest price around.

There are many variables that play into the calculation of your auto insurance premium. You cannot control all the factors involved, however, there are several items that you can.  The insurance companies evaluate criteria like your age, where you live, and your driving history.   Take a moment to study the steps below.  These hints can help you uncover significant savings on your Troy auto insurance policy.

Money saving strategies – Lower Your Troy Car Insurance Bill

 1.Discounts, Discounts, Discounts! The worst thing you can do is be quiet.  When speaking with your local insurance agency be sure to ask them about all the discounts that you may qualify for.  Some of the top discounts include rate reductions for a safe driving record, driving less than 8,000 miles/year, having a preferred occupation, and even good grades for students. The bottom line is if you forget to ask you could miss out on some sizable savings opportunities.
 2.Increase your deductibles. Raising your deductible increases your risk in the event of an accident.  The deductible is the amount of money that you will pay out of pocket before the insurance company picks up the tab.  When you raise your deductible the insurance carriers will decrease your auto insurance rate.  If you choose to increase your deductible just make sure you have enough money set aside to cover yourself in the event of an accident.
3.Choose your car wisely!  The overall price of your Troy MI car insurance policy can be greatly affected by the type of vehicle you drive. The next time you are ready to purchase a new vehicle be sure to narrow down your selection and then call your insurance agent.  By the time you factor in the cost of insurance one vehicle may be a better deal than another.
 4.Make sure you are a safe driver.  If you are the type of driver that likes to put the pedal to the metal then you will likely pay higher Troy auto insurance rates.  Your driving history is the 1 factor used to calculate your rates.  The more tickets and accidents you have on your motor vehicle record, the more you will pay.  Tickets and accidents are often counted against you for up to 5 years.
5.Know your credit score. At this point all major insurance companies are using your credit history as a factor in your rate calculation.  While credit is only one criteria used, it is safe to say that the better your credit is the lower your rate will be.  Because some companies look more closely at credit than others, it pays to compare rates from multiple insurance carriers.
6.Call an independent insurance agency and have them shop around.  The core benefit of working with an independent insurance agency is the fact that they represent multiple insurance companies opposed to just one. As a result they can impartially shop the competition on your behalf to uncover the lowest rate.

FREE Troy MI Car Insurance Quotes – Call (248) 266-0316

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