Sunnyvale Car Insurance Buying Tips

by | Feb 14, 2014 | Insurance

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Buying car insurance does not have to be a stressful experience. You may worry that your premium will be hard to afford because of past accidents or because you have a young driver in your home. By following these tips, you can ensure you get the best rate for your Sunnyvale Car Insurance.

The first step in buying insurance is getting a quote. In order to ensure that your quote reflects the best rate the insurance company has to offer, it is important to carefully examine every quote you receive. Get your quotes in writing so they are easier to compare and contrast. Examine the coverage limits and the exclusions so you will know exactly what is included in the quote.

In many cases, you can lower your premium by increasing your deductible. If you can afford to pay a $500 or $1,000 deductible, you can save a significant amount of money on your annual premium. Be careful, though. Raising your premium to a dollar amount that you can’t afford can be a problem if you are ever in an accident.

Most Sunnyvale Car Insurance companies offer discounts. Because there is such a wide variety of discounts, most people qualify for at least one. If the teenager in your home gets good grades, you may be able to lower the impact of having an inexperienced driver on your policy with a good student discount. If you had an accident in the past, your insurance rate may not be substantially effected if your car has safety features.

When you contact insurance companies such as Coast Auto Insurance for quotes, be sure to have all of your information on hand. The agent will need to know the make, model and VIN of your car, the current mileage on your vehicle, your driver’s license number, your past insurance claims history and the safety features on your car.

Be sure to give the same information to each insurance company so your quotes will be for similar coverage. Similar quotes are easiest to compare. Be sure to ask about discounts if the agent doesn’t volunteer the information.

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