Better Auto Insurance Rates for Certain Groups The groups that get better car insurance rates earn them in one way or another. If you are a good driver with no moving violations, you belong to the exclusive good driver group. If you have good credit, you belong to the group of drivers with good credit. Your affiliation with these two groups in particular guarantees that you will receive a good rate as a preferred driver. Your affiliation with AAA. AARP. the state Bar Association, the National Association of Realtors. the Association of Family Practitioners, or any similar group, entitles you to at least a 10% discount. This, in turn, gives you a better rate regardless of any other factors. Your loyalty to a particular insurance company may also entitle you to a better rate. Regardless of your affiliation to a group, your individual level of responsibility will be reflected in your car insurance rate. You may be a member of the Gates, Branson, or Buffet family, but if you drive recklessly on a regular basis, it will show on your record. Your reckless driving record will make you part of the reckless driving group, and your insurance rates will reflect that. On the other hand, your zip code may offset your reckless driving points. You could take a safe driving course to change the status of your driving record. When you combine the following compensating factors, you may have an advantage on getting better car insurance rates: Club and association affiliations Good credit Geographical location Middle age Desired vehicle make and model Preferred safety features Advanced premiums Longevity with the company Good driving record These are some of the preferred attributes that a car insurance company views as appealing and eligible for the best rates possible. You can become a member of these preferred groups, or at least come close. There are some things that are simply out of your control, however, like your age. Moreover, you can improve your credit or driving record, and even become affiliated with a special club. If you have made mistakes, time will erase your moving violations if you avoid them from this point on. You might have to pay a higher premium in the meantime, but in three to five years you can make a drastic difference in your status as a driver. Even a fifteen year-old will be five years closer to better car insurance rates. Seniors may be five years closer to driver restrictions, but hopefully you made the best of the years of no restriction. It is also hopeful that your financial picture improves so that you can get a better car. That is something most people strive for and look forward too, but be careful, as you may choose a car to improve your lifestyle that increases your premiums. If you do, just remember that you need other compensating factors to place you with the groups who get better car insurance rates. To get FREE online car insurance quotes, enter your ZIP code below and you will be directed to a list of carriers that are waiting for your business!
Posted on: Mon, 29 Dec 2014 21:01:52 +0000
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