As someone who sacrifices part of his precious salary to pay insurance premiums every month, you may feel entitled to filing claims for the tiniest scratch that sullies your car. However, bear in mind that for every claim you file, your insurance goes up, and if you do enough of that your insurance company will eventually drop you altogether.
So basically, you'll be donating an even larger portion of your salary to your provider's retirement fund. At the end of the day, auto insurance is a business and your insurance premiums are directly proportional to the frequency of your claims. To make the most of your insurance and get the best car insurance rates, try and make as few claims as you can. And how can you ensure that? Well, that's what our experts at Leland West Insurance are here to tell you.
Drive Safely: This cannot be stressed enough. Reckless drivers are obviously more likely to get driving violations and have accidents, which lead to bad driving records and auto insurance claims respectively, both of which lead to hikes in insurance premiums. Make sure you stay within the speed limit, and under any circumstances, do not drive while you're drinking. Firstly, there is a chance that your provider will reject any claims you make for accidents that occur when you are under the influence. Secondly, even if they do accept it, they will raise your premiums drastically.
Take a defensive drivers credit: A defensive driving credit is a good idea for anyone who wants to lower their auto insurance premiums because not only does that earn you automobile insurance quotes coverage, they also improve your driving skills, which means you'll be less likely to get into accidents and hence will file fewer insurance claims.
Regular Maintenance: Your vehicle needs to be cared for and if you ignore its needs you'll quickly realize that it will be harder to drive, won't brake as quickly as you want it to, and has greater chances of being totaled if it is in a collision. Besides, often mechanical failure/regular wear and tear is not covered by your auto insurance company.
Safe cars and Safety Mechanisms: When you purchase a car, look for one that will keep you and yours safe, compare car insurance quotes, keep your insurance rates low and keep you from making too many claims. Look for crash avoidance features such as electronic stability control, anti-lock braking systems, all wheel drive and traction control, car protection features such as seat belts, car crumple zones and seat-belts. Driver convenient adjustable seats, etc. can also prevent accidents and subsequently claims.
Anti-Theft Devices: In order to protect your car and claims record, you should take a look at the anti-theft devices out there and see if any of them sound like they'll help you out. Look at car alarms with unauthorized transmitter detectors which will alert you to a breach in your car security systems. Mechanical immobilizers restrict or curtail access to or movement of the vehicle. Moreover, they are large and very obvious, so most thieves will steer clear of them. Electronical mobilizers are another smart idea; they prevent the car from starting without the use of your personal and customized car key. Vehicle tracking systems are a great option too; they'll save the day in case a really crafty thief manages to bypass all these precautions and still steal your car.
No carelessness the last piece of advice we have for you is that you should simply be careful. Pay attention when you are driving, make sure you garage your car properly, don't leave your keys in your vehicle/leave your car running and unattended, and remember to take your car for regular maintenance. Preventive measures cost much less time, money and effort, especially when it comes to car insurance claims.
Please remember that while making claims is your right, it isn't something you want to do too often. Firstly, the procedure itself can be tedious and long-winded. Secondly, there is no guarantee that your claim will even be accepted. Thirdly, as we mentioned, filing a claim could hike your premiums, and you could actually end up losing money. So take necessary precautionary measures to reduce chances of you having to file a claim and try and handle smaller claims on your own.
If you want to learn more, then visit Leland West Insurance website. Leland West has been offering specialty collector vehicle insurance for 20 years, and is one of the largest and most well-known collector car insurance companies.
Call +1 559-431-8282 to know more about their services!
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