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How You’re Able To Save On Insurance With These Small Tips04.05.2011 | Author: Barbara White | Posted in Insurance Purchasing car insurance ray ban clubmaster sunglasses , or even renewing your policy once a year, is a task that most people dislike. Most people don’t even like to spend more than a few minutes even once a year. You can pay for these small mistakes big ti in the future.It pays to slow down, and review the details. Take the ti to ask your insurance broker questions that may influence the type of coverages you buy and the amounts you purchase. The information you discover may even prompt you to switch to another auto insurer. Below, we’ll provide five details you ould uncover whenever you op for coverage or renew your policy.#1 – Which Car Insurance Coverages Do You Need?So coverages are mandatory in nearly every province and territory (though the required minimums vary). This is the case with Aident Benefits, third-party liability, and uninsuredunderinsured motorist coverages. Other coverages are optional. While they are valuable to have in certain circumstances, they eventually cost more than they’re worth. You can drop them, and lower your auto insurance rates.For example, consider collision and prehensive coverages. The forr covers damage that results from an aident. The latter covers damage from non-aident events, such as a tree that falls on your vehicle. If you drive a new $80,000 BMW 7-Series, carrying collision and prehensive is a good idea. On the other hand, if you drive a 1997 Toyota Corolla with a market value under $2,500, these coverages may be too expensive.When do you draw the line on collision and prehensive? As a general rule, do so when their bined annual cost exceeds 10 percent of your vehicle’s value.#2 – Are You Driving A “Risky” Vehicle?Auto insurers in Canada refer to the Canadian Loss Experience Automobile Rating (CLEAR) system when calculating their policyholders’ rates. This is a score that reflects the likelihood your car (based on its make, model, and year) will be part of a claim. It also reflects how costly that claim is likely to be. The CLEAR ratings are based on historical data that has been piled for years.It’s worth finding out whether a potential auto insurer considers your vehicle to be “risky.” If it does, your rates will likely be higher than otherwise.#3 – Discounts For Which You QualifyNearly every car insurance pany extends discounts to their policyholders. Unfortunately, most policyholders neglect to find out whether they are eligible for them. Examples include discounts for being a good driver, having an alarm system installed in your vehicle, and consolidating your auto and property insurance lines with the sa pany. These and other standards can reduce your premiums.A “good driver” discount may be automatically added to your policy (though, don’t assu so). This is because your insurer has aess to the information it needs to make this decision. Other discounts will remain unclaid until you investigate.#4 – Type Of Replent Auto Parts UsedSuppose you are involved in an aident during which your car’s alternator sustains damage. It needs to be repled. So auto insurance panies will pay for original equipnt manufturer (OEM) parts. These are made by the automaker aording to their own specifications. Other insurers will only cover the cost of rebuilt parts, the quality of which may range from good to bad. A poorly-rebuilt alternator might leave you stranded in the future.Ask your insurer or insurance broker to clarify which type of replent parts are covered. Keep in mind, OEM parts generally offer higher quality, but cost more. This will likely be reflected in your premiums.#5 – Are Lower Rates Available Elsewhere?Never assu your auto insurance pany offers the lowest rates. In many cases, peting panies will be able to match your insurer’s quote while offering more extensive coverages. Or, they’ll be able to provide a lower quote altogether. Most consurs simply renew their policies without taking the ti to look for lower premiums. Consequently, they pay more than necessary.Whether you are switching to another insurer or renewing your policy, pare quotes from several panies. You may find a more affordable pkage of coverages elsewhere. Very few people tually enjoy buying car insurance. But uncovering a few important details can lead to hundreds, and even thousands, of dollars in savings over the long run.I’ve managed to get a really good deal from calling my insurance agent. Agents offer even plicated public liability insurance pkages if you’re interested.