Top Car Insurance ArticlesCar insurance article categories and article listings to teach you about vehicles!

Have a good credit score. Unfortunately this is one of the things insurance companies look at when evaluating your insurance premiums. Insurance companies have done serious statistical analysis on this and determined that people with lower credit scores are more likely to file insurance claims thus making them more of a liability.

Don’t be without insurance. By this I mean you don’t want to ever be without insurance on your car even if your not driving it. Whether your disabled temporarily, overseas, or just plain not driving it. This is because insurance companies want to see continuous coverage for at least 36 months before reducing premiums. The best thing to do in these situations is to strip your coverage down to the bare minimum. This way you can continue building your coverage instead of having to start back over if you cancel.

Know the insurance you’re getting. Comprehensive and collision coverage is not necessary for cars that are five years or older. Your premiums just might decrease drastically and should be discussed with your agent.

Don’t get caught without your insurance card. It could cost you more than you know. If the worst happens and you get pulled over do whatever it takes to get out of it. If its possible ask the police officer if you can call your insurance agent and have them vouch for you.

If its possible insurance more than car. You can gain much more leverage on insurance premiums if you can get more than one car on your policy. Insurance salesmen in their basic forms are just that “salesmen”, you can always negotiate. You just need leverage.