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How to manage affordable auto insurance without compromising on coverage

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A lot of states only mandate only liability insurance for car owners. A lot of car owners seldom go beyond this, although it is advisable to have comprehensive and collision insurance. Instead of compromising on the protection coverage that you need, there are other simpler ways to get hold of an affordable insurance. Here are some simple tips to help you do better with your auto insurance.

Drive a normal car

A normal car refers to the average car that most people are likely to have. In other words, you would attract high insurance premiums if you have a SUV. It is simple logic that the damage cost of SUVs or expensive cars is much higher and therefore the insurance premium too is higher in their case. Sticking to the good old family sedan is a good choice if you are worried about insurance cost.

Make your car safe

Making your car safe implies going for the additional mechanisms that help prevent accidents, theft, etc. Side air bags, anti-theft mechanisms, navigation systems, rear view alerts, etc. are all the modern add-ons which make a car safer. A safer car is obviously less risky as far as accident damage or theft is concerned. So your insurance too would cost less.

Online insurance

Where you get your insurance from also determines your insurance cost to a good extent. For example, direct insurance providers offer cheaper rates than insurance agents, although the latter are preferred for the better service they offer. Similarly, online insurance also has its own set of advantages which is why you must shop for all possible options. Unless you know what is available you cannot make a good decision on the right auto insurance policy for you.

Good credit and low mileage

The easiest way to get a low insurance premium is by maintaining excellent credit history and driving as less as possible if you can manage that. If you have a good credit history, you are considered to be more responsible, less reckless and therefore less risky for the insurance company. The chances of making claims are also low in that scenario. Similarly, if you drive less and use public transportation or car pooling whenever possible, you are going to be off the road longer and hence the chances of being involved in accidents are far less. Therefore auto insurance premium would be lower in those scenarios.