What to put in to get the lowest/best insurance rate quotes?
Do I need to be honest? I own the vehicle. I am starting to get a new quote. For "primary use" of vehicle what should I put; Commute (school), Commute (work), Pleasure, or Business? I use it to get to work. I am also being asked how many mileage driven to go to work or mileage one-way, and the annual mileage. Is there a "trick" to getting the lowest rate on what to put? I am a very careful driver. I have not had any accidents in the past 3 years (nor anything major prior). I know these insurance companies only want to know about the "last 3 years" of my driving history. I am clean. I only need the legal state (Maryland) minimum amount to insure. Any advice on how to get the best rate quotes? I'm currently with Progressive, but might switch to Geico.
How long does it take for car insurance to lower rates?
Some of the hard facts: You're a guy. You can't change that but we'll always have a higher insurance rate than girls. You've had several moving violations, that only proves that you're risky. Avoid getting them and your rate won't go up. You've had claims, although it didn't seem to be your fault, so you're still okay with that one. It doesn't sound like you'll be changing your car anytime soon since you're a proud owner. The kind of car that you drive and color affects it too. Sportscars, luxury cars, and fast cars all have generally high rates and will not go down significantly. Some suggestions: Get a higher deductible. That means you'll pay more out of pocket if you ever cause an accident, but it means you'll be saving more in the long run when you don't get into accidents. Get married. You will actually get a lower rate if you're married or if you have children, because they assume you become less reckless. Age out of the brackets. This is probably the most difficult thing to do, but if you're above the risky age brackets, you'll get a lower rate. Check your policy. It should say that you're the lien holder on the vehicle. If it doesn't call up Geico and tell them you own the car and you might need to fax them a copy of the paperwork. Good luck lowering your rates!