Family auto insurance is a blanket term for auto insurance that protects all members of your family. If you have teenagers in your family, you know how much your insurance can increase when you add a teen driver. When you add young drivers to your family insurance policy, it becomes more important than ever to find the best rate.
Keeping Your Rate Low
To help keep the rate on your family auto insurance as low as possible, follow these tips:
* Enroll your son or daughter in a driver’s education course and in a defensive driving class. Insurance companies usually offer discounts for teen drivers who have completed these types of classes.
* Encourage good grades. Most insurance companies offer discounts to good students, meaning students with a B or better average.
* Consider getting your son or daughter a separate policy rather than adding him or her to your policy. If your child drives an older car and never drives your car, this step could save you money.
* Avoid buying your child a sporty new car or a sports utility vehicle. Opt for a safe and sturdy older model vehicle to save money on your insurance.
You also need to notify your insurance company if your child leaves home for college. Your family auto insurance policy usually covers a car that your child takes to college, as long as the parent is the registered owner. But depending on where the college is, your insurance rates could increase or decrease.
If your child is going to college in another state, you also need to make sure that your insurance coverage meets the minimum insurance requirements in that state.
The Internet Can Help
As you search for the best rate on family auto insurance, be sure to check out insurance comparison websites. On these sites you can get fast and accurate quotes from multiple A-rated insurance companies.
The best auto insurance comparison websites also offer answers to your family auto insurance questions by allowing you to talk online or by phone with insurance professionals. (See link below.)
Visit http://www.LowerRateQuotes.com or click on the following link to get family auto insurance quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.
ryan@thesatellitetvguide.com
http://www.articlesbase.com/insurance-articles/family-auto-insurance-how-to-get-the-best-rate-177087.html
What would be the best way to find the cheapest auto insurance rates?
It’s very time consuming to call up each company individually and go through all that information every time to get rates. We currently have State Farm and have had them for both autos and house for 20+ years. After us being loyal customers all these years, their rates just seem terribly high and truthfully, I’ve never been all that happy with them. I just figured all the insurance companies have bad points and that ours might be better than the majority out there. Now, I’m not so sure and would like to try to find something with the same coverage that is easier on the pocketbook. We also have another new driver in the family so of course, that is very expensive.
Thanks for your help!
I get the bare-minimum Geico and it’s rather cheap.
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You will regret not taking the time to look at online quotes and call the local companies! What is good and cheap for other people may not be the cheapest for you. Their situations, records, credit, etc is different than yours. Also, as for switching to a company like Geico or Progressive – call some local body shops, tell them you are shopping for insurance and want their knowledge – I guarantee most of them will say that they would rather deal with SF than with Geico or Progressive.
With today’s economy, of course you have to save as much as you can – but, please make sure you feel comfortable with the new company you go to and that they gave you an apples for apples quote for your coverage with State Farm.
Good luck – please shop yourself, don’t listen to the people on here.
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Licensed Insurance Producer