Nowadays auto insurance is really expensive. A typical insurance policy can cost a few hundreds dollars up to a few thousand dollars a year and this seems to get higher every year!
Auto policy costs and regulation vary significantly from state to state, but there are a number of areas that consumers are able to control and adjust to optimize prices and quality.
First is to check your credit rating. Good credit will be interpreted by insurers as less risky. So to ensure accuracy and to correct any inaccurate derogatory points, its important for consumers to order copies of their credit report from all major credit agencies.
You should also check your motor vehicle report. Like credit reports, state driving records may include inaccurate data on personal driving records, which are strongly considered when issuing respective individual and family auto rates. Drivers should report errors to both their state motor vehicle department as well as their insurance carrier.
Accident reports must also be double-checked. Occasionally, local law enforcement and insurance accident reports include mistakes that may result in a higher rate. Accident reports...