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Smart Drivers Save with Direct Insurance Quotes

It should come as no surprise, but those drivers who plan ahead when it comes to their direct car insurance policy tend to make wiser choices and save more money. If you are looking into your auto insurance now then you are likely in a position to be able to plan ahead. Not to mention you can take the time to receive your direct insurance quotes and get a policy that will have all the coverage you want and need at rates you can afford. Smart Drivers Save with Direct Insurance Quotes

The Little List of Don’ts

There are plenty of lists for all the things drivers should do when it comes to their car insurance, so this list of what not to do should help even more.

Don’t Rush

One of the easiest and quickest ways to spend more money than you should on your car insurance premiums is by making a rushed decision. If you know your policy renewal time is coming up, begin doing your research and making your decision now. Get things in order way in advance so that the transition is smooth and try to avoid gaps in policy coverage. Keep in mind a lapse of 30 days or greater can affect your premiums.

Don’t Neglect the Down Payment

If you are starting a new policy there is usually some form of down payment involved. The larger the down payment the less your monthly premiums are likely to be. Some companies will let you bypass the down payment and roll into your monthly payments, but there are often extra fees involved that you won’t know about unless you ask directly.

Don’t Pay Monthly

Along the same lines, if you can afford to pay a greater amount at once you will save money. By paying quarterly or even annually, you can save a good deal of money on your direct auto insurance premiums as opposed to making monthly payments. Even if you have to scrimp and save a little to make it happen, you will have a longer break between payments to pinch pennies for it not to mention lower rates to make it all worthwhile.

Understanding Some Basics about Direct Auto Insurance

To know what you are getting into and how you could be saving money, you need to make sure you comprehend certain things about insurance policies. For example:

  • Deductibles – A deductible is the fixed and predetermined amount you pay from your own pocket if you should have an accident. Even if the accident is not your fault, the repairs and medical bills are covered once the deductible is paid. Some common amounts for a deductible are $250, $500 and $1,000. The higher the deductible the lower the direct car insurance premiums, but make sure the deductible would be an amount you could come up with in the event of an accident.
  • State Minimums – Each state has its own guidelines to what the minimum amount of insurance is a driver must carry. It is crucial for you to be aware of what your state requires and meet if not exceed this amount. This is especially important if you have recently relocated to another state and are in the process of changing your direct insurance policy. Keep in mind too that if you are caught driving without insurance, you will likely receive a ticket and a fine.
  • Financing Minimums – If you are financing or leasing a vehicle, you must have a certain amount of insurance in place to cover the car. If you do not meet the required amount or let your policy lapse, the lender will put their own insurance in place, which can cost you an astronomical amount of money. Avoid costly insurance like this by getting your own direct insurance in place and saving money.
  • Know Your Insurance – There are many types of direct auto insurance policies available. Find out what you must have or if you are able to get what you want. By doing this, you may be able to save by having just liability or you may be required to have something such as SR22 insurance in place. There are also policies including full coverage, collision or comprehensive just to name a few. Get what you need and even a little more when in doubt to make sure you are covered enough.

Get your direct car insurance quotes today and start being a protected driver on the roads immediately. It all begins with just your zip code.