While companies like State Farm and Allstate have local agents to help you sort the issues concerning the limits of coverage and deductibles, they are only policies to establish their own business.

Independent agents can shop your policy to all the companies they represent, and are generally familiar with the type of vehicles each company likes and dislikes. This means they can find you the

best price available among all the companies they represent.

"Agents are generally independent service for all your needs," says Carney, "and because they do not work directly for the company, but for the client, in May they be able to help you." By example,

if you return to your mailbox, you can call your independent agent to ask if it's worth it to file an application without filing your insurance company about the accident.

Identification of your insurance needs and research on the costs for vehicles on your list can save you money. Do your homework before you shop, and save your money to a better condition, more

feature-rich rather than a car high insurance premiums.

Small, cheap car prices badly on both the reduced scales and ratings. Zero medical discount and "C" grades are assigned to most of sub-models, so that May be useful to upgrade to a car-sized,

even if it costs a little more forward. The cheapest insurance during May to compensate for this difference, the more you end up with a larger vehicle safety.

If you have difficulty choosing between two different models, cheaper insurance could help to influence your decision. "If you're torn between two cars, and you will find a much more [to], to buy

another car," suggests Luedke.

Each insurance company maintains its own statistics and rate models based on its own experience. Thus, if the car you want is expensive to insure with a company, try others. Direct marketing

companies such as Geico, Farmers, and Progressive can provide very attractive rates on some cars, to do with few cars on the rates they do not.

"Direct businesses often have a good rates," says Lynn Carney, an insurance agent for Kerxton (kerxton.com), an independent body, "but you do not have an agent to treat, so if you ever have a

problem you do not have a relationship. "While this May be true, most of these companies tend to manage their customer service phone lines at any time if you feel the need to speak with someone

outside working hours.

The obvious choice, from a perspective of insurance, is a nice low mileage used Mini Milquetoast? Ideally the basic four-cylinder model with steel wheels, cloth upholstery, rubber floormats, and

the burnt orange paint job. These never flown, and their caution to the point of shyness darn drivers ever run into other cars or attracting unwanted attention from John Law and blue on the road.

Your insurance agent will almost pay you for one of these vehicles, because the risk is so low.

Your candidates for purchase are probably not quite so far to the opposite ends of the spectrum of insurance that these examples, but the fact is, if saving money is your goal, you can watch

insurers consider models that almost demonic Milquetoast. Call your agent quotes on vehicles that you think before you go test driving. You may be surprised by the amount you want 4WD SUV

can affect your rates. Or take a look at lists of insurers believe that State Farm, available on the company's website (statefarm.com), and prevent theft of vehicles top lists.

Sometimes you do not even have to choose another model, just another version of this model. For example, State Farm met 3/4-ton Pickup Truck Chevrolet Silverado in his preferred "A" overall for

the category and collision coverage, while the half-ton truck falls into the category "B", which is responsible for the flat rate. Apparently, the spirit of serious work truck drivers are more cautious

than the hot-rodders who favor the half-ton models. Want sporting BMW? Consider purchasing the A-rated station wagon instead of the B-rated sedan.

Make vehicles may also affect rates. The Honda CR-V compact SUV notes "A", for example, compared to a "B" for the Toyota RAV4.

Insurance companies track statistics on injuries to occupants and offer discounts on medical coverage and personal injury arising therefrom. State Farm gives the Nissan Maxima 20-percent

discount on the cover (compared to 10 percent for the Nissan Altima) and a rate of "B" instead of "C" on the collision and comprehensive.

Your position and Parking May also affect premiums, according to Dan Kummer, director of auto insurance for the Property Casualty Insurers Association of America. Having a garage in the

suburbs urban beats street parking for insurance purposes, even if you can not get a bagel in the 'Burbs. And the naked city is a much more difficult on equipment that leaves room communities.

"There is less density in the suburbs, there is less risk of hitting the car," said Kummer. Not everyone will consider parking when quoting premiums, but keep in mind that each insurance

company calculates rates in different ways, so it helps to address these questions in advance.

An important factor in the insurance, you can control the type of vehicle you buy. "If the car is high performance, like a Corvette against a Honda Accord, it will cost more to provide," said Kummer.

Needless to say, demonic Shredder Road is not likely to have accumulated a record of the pound sterling actuarial insurance companies. The car itself May be perfectly safe, even in May it passed

the latest round of government and insurance crash tests, but it attracts many drivers are generally irresponsible who set a record unenviable accident.

As these car thieves, too. Everyone wants a demon Shredder Road, a thief and May not be too concerned about the history of the car if he can get his hands on one for a free ride. And 800

horsepower dual turbocharged V-16 engine is a hot ticket for speeding and racing boats at sea, so that in May just to get ripped off its engine. Ultimately, insurance companies have paid a lot for

all those who totaled Shredders Road and demonic stolen and therefore your insurance premium, it could bring the cost of a launch of commercial communications satellites for a bird the least

expensive to convert the former Union of Soviet ICBMs available.

"When you purchase comprehensive coverage and collision, one of the questions you ask is" How much should the deductible be? "Luedke said. "You should ask, 'How much can I afford to

tomorrow without jeopardizing my financial comfort zone? If you can pay $ 1,000, why pay more for a lower deductible? "

This is particularly typical of the cars, he added. Higher deductibles are probably more common for an old vehicle for the same reasons, a limit of low coverage. " But all insurance is a question of

balancing costs and risks, and cars, many consumers tend to save money in today's risk of having to spend longer in the case of a claim.

While new-used against may affect the premium, the insurance of a vehicle is essentially the driver, and the history of the particular model. Smart shoppers should consider these factors when

looking for wheels.

This is probably a little late to the touch of a driving record beaten when you're ready to buy a car, but it can not hurt to take a little more care in the months before your purchase. Tickets and

accidents are obviously bad, and you do not want to get new ones.

If you already have some black marks on your file, consider corrective measures to patch things up, such as courses offered by many states to help reduce the number of points accumulated on your

record. If you have tickets in progress, in May it is possible to use a visit to a school and good behavior in the unfortunate event removed from your driving record. In this case, it May be better to

postpone the purchase of 800 horses demonic Shredder GT Road (the limited edition with the aluminum body) until you have your driving record in the best possible conditions.

"Shopping coverage before you shop for a car is the best policy"

Insuring a car follows the same guidelines as the assurance of a new basis, with the owner of the objective being to protect themselves from liability should something in his vehicle, its occupants

or other motorists. The main difference is that, if a vehicle is damaged or stolen and written off as a total loss, the insurer's potential loss is less than a new model, so the company can pay less for

the overall coverage collision and, therefore lowering the premium. On the other hand, a car can inflict as much damage on other cars, people, structures, etc, as a new, if responsibility is not

affected by a car of age.

Because the cars used are of lesser value, buyers in May want to rethink some of their insurance strategies. For example, it May not be necessary to maintain high coverage for comprehensive and

collision insurance when sufficient coverage to more low payments are available for a small premium.

"The big thing to consider is how much physical damage on the coverage you need a car," says Dick Luedke, spokesman for State Farm. "Many elderly people with cars to choose not to have a lot of

the collision."

Similarly, while a franchise low in May of meaning to a brand new expensive car, buyers of used cars in May choose to save money by raising their deductible. Because the vehicle in May have

some cosmetic wear and tear, an owner may choose to skip the damage caused by minor collision, or simply out of their pocket for small repairs rather than pay higher premiums of the franchise

lowest orders. Keep in mind, however, that the higher the deductible, the more you will pay your pocket, in case of disaster.