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Auto insurance: It’s something every American motorist needs, but it’s not always the easiest thing to shop for. According to Action Auto Insurance Agency in New London, CT, there is an incredible amount of car insurance options out there—and getting the best deal can take some strategic planning. To help get you started, this comprehensive insurance agency has a few tips.

5 Auto Insurance Tips That Can Help You Save

1. Know Your History

Your driving record can impact your auto insurance rates and options considerably, so it’s a good idea to review your history before you commit to a policy. While you may not be able to change some things, paying off unpaid tickets will improve your overall record and make you less of a risk to insurers. Similarly, if you have incidents that are only a few months away from being cleared from your record, you may want to wait until that happens so your rates will be lower.

2. Know What You Want To Cover

The state you are registered and licensed in may have a bare minimum insurance requirement, usually to cover the cost of another person’s vehicle and any medical expenses in the event of an accident. However, you should also look into adding optional coverage to make sure you and your vehicle will be fully taken care of in an emergency.

3. Lower Premiums By Raising Deductibles

auto insuranceDetermine how much you could realistically pay in the event of minor damage. For instance, if you could cover $1,000 in repairs, you may want to set your deductible at that level. By avoiding a lower deductible, your monthly premium will be considerably less expensive.

4. Compare Insurers

These days, it’s pretty easy to search car insurance quotes online and compare rates between insurers. However, if you’re looking for the most in-depth, accurate comparisons, consider hiring an insurance broker who works with multiple insurance companies. Brokers and agencies can provide non-biased comparisons with a human touch automated search results can’t.

5. Ask About Discounts

From good grades to anti-theft devices, there are plenty of potential discounts available from insurance companies that could lower your overall rate. Ask your agent about these options to find out if you can be rewarded for things you’re already doing.

If you’re searching for low-cost, high-quality car insurance in Connecticut, there is no better broker to work with than Action Auto Insurance Agency. To find out how you can switch to a more affordable vehicle insurance policy, call these pros at (860) 444-7224. You can also visit them online to learn about their comprehensive auto and motorcycle insurance options.

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