Car insurance rates are determined based on client’s risk profile. That tells the company how likely they are to handle a claim coming from that particular client.

There are several ways to get a low-cost car insurance premium:

• Drive a safe car. Companies have their own definition of what it means a safe car. But generally this mean a vehicle fitted with functional, hi-tech sensors and warning. Airbags, seatbelts and other similar protection devices are also on the list. Safety rating is very important for insurance companies and they analyze it before issuing a policy. Safe cars pay less on auto insurance.
• Remove old traffic violation points. Cleaning up the MVR will help getting better rates. It is wise to contact a lawyer who will guide the client during the whole process.
• Graduate defensive driving. This type of courses educates the driver about the traffic hazards and how to handle them. Besides improving skills, graduating an approved course will make the driver eligible for a discount.
• Bundle plans. This is a quick way to save a money. Bundling policies under the same company is usually cheaper than insuring each item individually.

“Car insurance does not have to be a financial burden. There are several smart ways to get cheaper insurance” said Russell Rabichev, Marketing Director of Internet Marketing Company.

See Full Story at www.benzinga.com