My name is James Frank. I’m glad you stopped by my website. I’ve always carried automobile insurance because it’s the law. I never paid much attention to my coverage; I paid my premiums and like most folks moaned about the small annual increases. One day I was driving in a city I wasn’t familiar with and was looking for addresses on the buildings. All of a sudden I look in front of me and I’m about to hit another vehicle. I had run a red light and ended up totaling not only my car, but the other driver’s car, too. I have never been so grateful for my car insurance. Fortunately, there were no medical bills, but two cars had to be replaced. It turns out that I have excellent coverage. I’ve since learned lots about car insurance and hope to share some of it with you.
When you are trying to save money on your car insurance, you might be changing the way you drive or seeking out anti-theft devices. However, there are things you can do to keep your car insurance rates low, even when you are choosing where to keep your car when you are not in it. Here are some tips to consider.
Leave Your Car at Home When Visiting Family and Friends
Bringing your car to another person's home may seem convenient, but it can lead to problems that may drive up your car insurance premium. For instance, if you head a a friend's house, you might not be able to park in their garage or driveway because their own cars are there instead.
In residential areas, cars are more likely to be a target if they are parked on the street than if they are parked in a driveway. Not only that, leaving your car on the street makes it vulnerable to having its side mirror hit by passing cars. You might have to file a claim if you want your insurance company to pay for the repairs, and you may see your insurance rates go up as a result. Therefore, it might be a good idea to think about leaving your car at home and making other travel arrangements for your stay.
Park in Covered Garages in Urban Areas
If your car is broken into or stolen, you might be surprised to see your car insurance rates go up even though your actions didn't directly cause what happened. Think about that when you drive in urban areas, as auto theft is largely a big-city concern.
When you have to visit the city, you might feel lucky to find a spot on the street where you can park because you might be able to get to and from your destination more quickly. It can sometimes be a challenge or more expensive to find a covered parking lot in the area where you are going, but it is worth it so that your car is off the street and less likely to be seen. Some covered garages also have video cameras and security guards on site that may deter thieves.
Keep Your Car Covered at Home
You may already know that you should keep your car in the garage to prevent possible break-ins. However, it is also smart to keep your car in the garage because of damage that could result due to high winds, tree branches, hail and other debris. This kind of damage can raise your insurance rates, so keeping it away from those dangers is a wise decision.
If you do not have a garage, it is a good idea to cover your car with a durable vinyl cover to provide it with some protection.
Use the tips above to help you when you are thinking about where you park your car. The decisions you make may very well affect your car insurance rates, so think carefully before leaving your car anywhere. Talk to yourbest auto insurance provider for more information.Share
14 January 2016