The insurance industry is such a big industry in the USA that advertisements prepared by insurance companies are seen on television screens every day. In fact, telephones, e-mails, and advertising magazines left on the door about insurance are also a part of daily life. Do not take any of this seriously when taking out Auto Insurance in the USA.
The quotes and prices they say in their advertisements generally contain false or incomplete information. Because, as in many parts of the world, it is not forbidden to give wrong information in the USA. Insurance companies also use this to the fullest, they don’t give wrong information like that directly, they say “we actually meant the presentation there”. It is best to go to the websites of the companies and get the necessary information and get a price, or if you have time, go to a few insurance agencies in your area and talk to them directly.
If you just got your US driver’s license and you don’t have any driving experience, you will only have to pay around $80-$120 per month for liability coverage. But if you want to have a full coverage (liability+collision+comprehensive+uninsured-underinsured driver) without a driver’s history of 2-3 years, consider paying a premium of almost 300+ dollars.
1- Get quotes from other companies
Get quotes from other companies at the end of each period (usually 6 months). For example, let’s say you found the cheapest insurance company X in the first policy period. In the second or third policy period, another insurance company may make a very attractive and low offer. Do not show loyalty to the company. one is not better or worse than the other. Change the policy instantly.
2- Beware of Scope and Deductible price
When you go to the agencies, pay attention that most agencies either narrow the scope, increase their deductible amount to $1000-2000 in order to reduce prices, or make additional policies such as “renters” and “short term disability”. these are not discounts, and it is not like buying the goods you want at the cheapest price, but buying the cheapest Chinese goods.
3- Never make an accident
No Claims Bonus: It is used to mean that the insurer has never made a “claim”. For this, the relevant policy must be valid for more than 1 year and must not claim compensation in order to obtain NCB. On the other hand, most insurance companies do not accept risky and accident drivers, in such cases there are auxiliary agencies for risky drivers in some states. For example, in the state of California, you can apply for The California Automobile Assigned Risk Plan (CAARP).
4- Be careful when buying a Car with Credit
If you use a loan for the vehicle you will buy, as a result, the financial institution makes full coverage insurance mandatory. This starts from at least 180 usd/month depending on your car and age. The policies of suv-mini vans are generally lower.
6- US car insurance discounts
Low usage discount: If your annual usage is low, you can get a discount,
Anti theft discount: If the car is safe from theft, for example, if the car has an immobilizer, they offer an anti-theft device discount.
Automatic payment discount: you connect your payments to your account and if automatic payment is made, you can get a discount as a result.
Sourced from the agency: some agencies can give additional special discounts within their own structure.
No Claims Bonus: if the person has never had a faulty accident, a discount is usually given.
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