Direct Auto Insurance by Greg Secrist

Auto insurance can cost you a fortune or it can be very affordable, but what makes the difference? Which insurance provider offers the cheapest rates? Do some companies allow you to finance your premium so that your monthly payments can be lowered? This is your direct auto insurance guide where we will walk you through how you can save thousands a year on your auto insurance.
There are definitely some tricks of the trade and factors that will help you get the most coverage available for the lowest premium out there. Premiums are usually priced in 6 month increments or even sometimes 12 month increments.
An insurance company pulls your insurance score. This is different than your credit score. Just like a credit score, however; the less you get pulled over and the lesser amount of tickets will help you have a higher score. The higher score you have on insurance will result in better insurance rates which will yield you a lower premium. What people don't realize is that insurance companies are just like any other financial company, they deal with risk and depending on the risk level, it will directly affect your premium cost and insurance rates. Depending on your history, some products may not even be offered to you even if the insurance company offers them.
Tips to lower insurance premiums:
Too many people over insure their cars. If you own an old car that is completely paid off, just make sure you have a policy that will cover the car of an individual if you caused a crash so that their car could be paid for. Don't make the mistake of getting comprehensive insurance on a car that is worth less than $3,000 dollars. A high deductible may sound lame, but it will drastically lower your premium amount. If an insurance company knows that you are willing to put down some money if you get in an accident, they will consider you a lesser risk than someone that has a very small deductible. Many insurance companies offer discounted premiums when you first sign up with them for the first 6 months. It may sound silly, but changing insurance agents every year will keep your premiums low as you will be utilizing these discounted premium rates.