Barb Dearing offers the following royalty-free article for you to publish online or in print. Feel free to use this article in your newsletter, website, ezine, blog, or forum. ----------- PUBLICATION GUIDELINES - You have permission to publish this article for free providing the "About the Author" box is included in its entirety. - Do not post/reprint this article in any site or publication that contains hate, violence, porn, warez, or supports illegal activity. - Do not use this article in violation of the US CAN-SPAM Act. If sent by email, this article must be delivered to opt-in subscribers only. - If you publish this article in a format that supports linking, please ensure that all URLs and email addresses are active links. - Please send a copy of the publication, or an email indicating the URL to [email protected] - Article Marketer (www.ArticleMarketer.com) has distributed this article on behalf of the author. Article Marketer does not own this article, please respect the author's copyright and publication guidelines. If you do not agree to these terms, please do not use this article. ----------- Article Title: Your Best Car Insurance Quote - 3 Things To Do Before You Shop Author: Barb Dearing Category: Insurance, Cars and Trucks Word Count: 481 Keywords: best car insurance rates,car insurance,auto insurance,car insurance rates, auto insurance rates Author's Email Address: [email protected] Article Source: http://www.articlemarketer.com ------------------ ARTICLE START ------------------
Everybody knows that to get the best car insurance quote, it is important to shop at least five different car insurance companies. But before you even get those quotes, there are a few things you can do to make yourself (and your vehicle) more attractive to insurers. 1) Keep Your Credit Clean ... Studies have shown a direct correlation between your credit score and the likelihood that you will file an auto insurance claim. For this reason, almost all insurers pull your credit report. Your credit report shows an insurer if you pay your bills in a timely fashion and have had the same credit accounts for a long time. Someone who does this is considered more stable than someone who pays late and frequently opens and closes accounts. This information is used to create your "insurance risk score", which is one factor that determines your car insurance rate. Tip: If your credit history is not strong, start cleaning it up. If there is unusual credit activity on your account, wait about a month for it to return to normal before shopping for car insurance quotes. 2) Think About the Type of Car You Plan to Buy ... Insurers have a rating system for every car make and model. Most use a system devised by the Insurance Service Office, which starts with the cost of the vehicle and then factors in safety and theft data. Cars are given a rating from 1 to 27, and the higher the number, the higher your premium. Tip: Look up the relative risk of your car online. If you are trying to keep your car insurance premiums low, it is best to consider this risk before you buy that high-risk sports car. You can also reduce your risk rating by packing your new car full of safety features. Consider installing additional side air bags, automatic seatbelts and anti-lock brakes to reduce the risk of injuries and accidents. To reduce the risk of theft, you may want to install a car alarm and use an anti-theft device such as "the Club" when you lock and leave your car unattended. A keyless entry feature is convenient and will also decrease your insurance risk rating. 3) Pay Your Insurance Premium In Full ... "Fractional premium" fees are usually charged when you pay your annual premium in six-month, quarterly or monthly installments. There is almost always an administrative fee to break down these payments also. These extra fees can really add to the cost of your premiums. Tip: Ask about fees for paying in installments. If the fees are small enough, it may be worth it. If not, bite the bullet and pay for the insurance premium in full. OK, you have cleaned up your credit, chosen a low-risk car packed with safety featurs and have budgeted to pay your full car insurance premium up-front. Now you are ready to shop for your best car insurance quote! Barb Dearing is a writer specializing in topics that help consumers save money. She recommends the following website for free car insurance quotes: http://www.shop-car-insurance.com ------------------ ARTICLE END ------------------ [Non-text portions of this message have been removed]
