Obtaining best auto insurance rates from insurance companies require innovative approach and the help of an experienced auto insurance agent. The first step in getting best auto insurance rates is to have a detailed discussion with your insurance agent about your personal driving record, the type of the vehicle, and its present condition. You should also decide on which types of auto insurance coverages you should apply for and the maximum amounts of each coverage. Invariably, you would not be able to escape the basic liability coverage that is mandatory in your state. It could be $25,000 for bodily injury for each person involved in an accident, $50,000 as total coverage for each accident, and $10,000 for covering property damage. These amounts would vary from one state to another.
Hence, along with the above compulsory auto insurance for liability coverage, you should consider the extent to which you could opt for collision coverage and comprehensive coverage. For example, if your car is a new and costly one, collision coverage for a substantial amount is absolutely necessary to meet the repairs or replacement of your vehicle in case of an accident. If your car is an old model, there is no point in opting for significant collision coverage amounts. Similarly, if you are going to drive to your office and back during the weekdays on safe routes and stay indoors during weekends, then also you could opt for reduced amounts of collision coverage, since chances of accidents are quite remote. This would lead to best auto insurance rates.
Similarly, you should take a correct decision on comprehensive coverage. If your vehicle is fitted with anti-theft device and burglar alarm, then theft of car could be ruled out. Further, if you are living in an area that is not affected by cyclones, hailstorms, floods, and fire, you could opt for lower comprehensive coverage. A right judgment of the circumstances of your driving conditions and living environment should influence the amounts of collision and comprehensive coverage to get best auto insurance rates.
Drivers below the age of 25 are always charged higher premiums on the perception that they are more accident prone due to reckless driving. As such, you should keep out family members below that age in the auto insurance. This would bring down the premium quotes substantially and help you in obtaining the best auto insurance rates.
