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Determine Cheap Car Insurance
What you drive has a substantial effect on how much you pay for insurance. The most cost-effective vehicles to insure come equipped with high safety ratings, more room, and vehicles that are newer. Cars with more safety and security features are often less expensive as well. When you see the list of the 10 most stolen vehicles on the road, hope you don’t see your vehicle on it. The more popular a car is for thieves, the more expensive it is to insure.
Your Credit Score
Most insurance companies run a credit check to see how reliable their customers are, and it affects the car insurance rates they’re offered. Those with a lower score typically find their rates are higher. If you want to find cheap car insurance, you’ll want to keep your credit score high. Unfortunately, there is no set-in-stone credit score chart determining where rates begin to rise and where the begin to fall. Just be responsible with your finances, and you’ll never have a problem finding cheap car insurance when you buy a new vehicle.
If you want to find cheap car insurance, you’ll want to move to an area that’s not densely populated. Insurance companies know that most accidents occur closest to home for many drivers, and they take that into consideration when providing premium prices to drivers. If you live somewhere with a lot of people, a lot of traffic, and a lot of businesses, you’re going to find your rates are higher than others. It’s also important to understand living in a neighborhood with a high crime rate can affect the cost of your car insurance. If there are more car thefts, crimes, and even high unemployment rates in your neighborhood, you’re going to pay more for your car insurance.
What You Do For A Living
What you do influences the cost of your insurance. Individuals who are considered most likely to be involved in an accident have higher rates than those who don’t. Just like a life insurance company might require an airline pilot to pay more for a life insurance policy than a stay-at-home mom thanks to the danger of his job on a daily basis, car insurance companies base their rates on the risk of your job. In this case, an airline pilot might have cheap car insurance compared to a stay-at-home mom. The pilot is in the air and out of town more often than on the road, while a mom who has kids at home is in the car multiple times each day running back and forth between school, extracurricular activities, and more.
There is an exception, and the exceptions are those who work in law enforcement or as paramedics. They tend to have more care when driving based on the nature of their job and the many things they see when they are at work caused by poor driving skills. They often receive discounts and less expensive car insurance than other drivers.
Your Personal Stats
To accomplish cheap car insurance premiums, you might consider becoming a young married woman. If that’s not possible for you, you should know cheap car insurance is more accessible to those people than others. Young men are typically involved in more accidents than young women, and single people are in fewer accidents than married people. Men who get married will find their rates drop, as will women. As women get older, they’ll see their rates increase while men see cheaper car insurance rates begin to appear in their monthly billing statements. The most expensive people to insure on the road are teenage boys, but anyone with a low credit score and a poor driving history might pay more over time thanks to their carelessness on the road.
Everyone looks for the best rates on their car insurance, but they often forget to take into account the basic factors that determine their rates. If you’re not sure where you stand, call your agent and ask a few simple questions. He or she can clue you into how dangerous your neighborhood is, how your profession affects your rate, and whether or not it would be less expensive to buy a new car with more safety features and better safety ratings. Taking these things into consideration when shopping for a vehicle can help you find lower rates and more affordable coverage for insurance.
Working With Home Insurance
It’s common knowledge that home insurance is available to protect your home from any unexpected occurrences. Whether it’s a natural disaster or a burglary, your insurance company is there to help you through the process of replacing your damaged, destroyed, or missing items. It’s not common knowledge for many people precisely how the home insurance claim process works following a burglary or theft until they’re in the middle of the claims process and learning how many things they could have done before to make it easier. You don’t expect to be the victim of a theft or burglary, and that leaves many people unprepared. Here’s what you can do now to make any potential home insurance claims easier should you ever be forced to file one.
What You Can Do Now
The next most important thing you can do is make an inventory. This should encompass everything in your home from your electronics to your designer handbags, clothing, and shoes. It should include furniture, jewels, and other belongings. Everything you own is of some value, and it’s all worth replacing if a natural disaster occurs or your home is broken into. Make a list of each item, what it’s worth, and where it’s located in your home. Take a photo of each item.
If you have receipts for those important items, it’s time to take photos of those or make copies of them. Your inventory list, photos, and receipts should be placed somewhere safe. A fireproof safe, a safety deposit box, or online in a safe location where it can’t be lost or deleted are some of the safest places you can keep these items.
Insurance adjusters from your home insurance company can process your claim faster and with more accuracy if you have these items on hand when filing a claim.
What to Do When You File a Claim
If ever you are forced to file a home insurance claim due to natural disaster or theft, do it right away. The first step is to call the police when you notice items missing. This is common sense when you return home to find it’s been broken into, but some thefts occur during a gathering, party, or when you’re home and not even aware of it. Report the theft to the police, provide them with all the information they need to create a police report, and obtain a copy of the police report when they are finished.
Now it’s time to call the insurance company. They’ll want to know what’s going on right away. Provide them with the police report, and then make a list of everything you know is missing. Provide this, along with your inventory list, your receipts, and even your photos. Your home insurance agent and the police will investigate the incident. When the investigation is complete, the insurance adjuster will recommend to the company how much they owe you to replace your items, and the home insurance agent issues a check in the amount you are owed.
One thing many homeowners forget to consider is their deductible. Whatever the amount you chose to pay out-of-pocket, you’ll have removed from the amount the insurance company owes you. For some homeowners, this is a relief. It’s not always feasible for a homeowner to pay $250, $500 or $1,000 of their own just to have a claim filed. For others, it’s an inconvenience if you’re unaware this is the way it works. You might expect a check for a certain amount and find it’s actually far less than the amount you thought because the deductible was taken from the amount owed to you.
Prevention is the best way to ensure you needn’t file an insurance claim at all, but not everything can be prevented. You can prevent a burglary with a home security system and by keeping your valuable items locked up, but you can’t prevent a hurricane from damaging your home if one heads your way. Do what you can to protect your home, and let your insurance agents do the rest. Their job is to protect you, but you can help make that easier.