Insure Your Smart fortwo For Less Than You Are Paying Now
If comparing car insurance was easy, most of us would do it more often. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. You probably feel the same way when trying to find cheaper coverage for your Smart fortwo.
Step One: Compare Multiple Rates
In years past, the only way to purchase car insurance was to visit the office of a local agent. But now you can eliminate that hassle and buy online!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Smart fortwo without even visiting their websites!
To start saving, have your current policy handy and click the link below. Our short form makes it easy to enter your information and compare rates.
Quote Tip! In order to accurately compare rates for your fortwo, it's critical that you use the same limits and deductibles for liability and physical damage coverages like comprehensive and collision. If you use different limits, you will not be able to accurately compare rates between carriers.
Step Two: How to Save on fortwo Insurance
After completing step one above, you can now learn some of the other ways to slash your fortwo insurance costs.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
- Youthful or teen drivers that are rated on any vehicle will cost more. The inexperience and tendancy to enjoy going fast is a recipe for an accident.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- If you can afford to pay for small claims like a broken windshield out of pocket, it will keep small claims off your record and give you a claim-free discount.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- Safety features such as passive restraints and air bag systems help reduce injuries in and accident, and car insurance companies will charge lower rates if these features are present.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- Particular years and models of cars tend to be frequently stolen, and if your fortwo is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
- Higher deductibles save money. If you can afford to pay a larger portion of a comprehensive or collision claim, you will pay substantially less for those coverages if you increase your deductibles to $500 or even $1,000.
Step Three: Purchase a New Policy
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
You can cancel a policy at any time, but just remember to make the effective date of the replacement policy the exact same as the date you cancel your old policy. You do not want any gaps in coverage between policies.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. If you have a current policy and you only carry liability coverage, then that's the only coverage that will automatically extend to your fortwo. But if you currently carry full coverage, comprehensive and collision coverage will extend to your new vehicle.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. If your state requires you to file an SR-22 for being a high-risk driver, make sure your new company is aware of this requirement. Failure to comply can result in loss of your driver's license.
More Insurance Buying Tips
To do more research on car insurance, visit the Insurance Information Institute website.
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