Policygenius message follows rigorous guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money. Reddit is an on-line hub for all sorts of information, advice and pictures that make you go aww. While not all advice on Reddit is solid, there are batch of Redditors who know what ’ s going on — even when it comes to complex subjects, like taxes and insurance. In this font, we thought we ‘d see what Redditors had to say about car policy. It ‘s not always comfortable to find the sage advice in the desegregate, so we did the hard knead and scowered the site for the gems you may find helpful. Have your own advice you’d like to share or questions you’d like answered? Let us know in the comments.

1. Shop around for a new policy every few years

When one Redditor complained that the costs of their car policy went improving every year despite the fact the measure of their car lone went down, Username_Used chimed in with a smart explanation for rising rates – and some advice on lowering car policy costs down the line . This Redittor is right that rates vary, as your premium is determined by several factors. What you pay is determined by your policy and deductible, what you drive, how often/far you drive, where you live, your repel record, your citation history and your age, sex and marital status. You may even see a different pace if you bundle insurance plans. here ‘s how .

2. Report accidents even if you’re not at fault

What do you do if you ‘re rear-end by person else and your car is beat up ? After making certain the patrol are notified, you call your indemnity company, as Redditor LTrainicus notes . Accidents should be reported to both your car insurance party and that of the at-fault driver. Your policy company can help you through the serve, from getting you a rental cable car to making indisputable your car repairs and other bills are covered. Plus, it ‘s easier to let them battle out who owes what and you can focus on getting your life back together. here ‘s what you should do if you get in fender carouse .

3. Consider tinkering with your deductible

Think your car premiums are besides high ? Like your policy but wish it didn ’ t take up such a huge ball of your budget ? Changing your deductible could be the solution . Your deductible ( the sum you pay for repairs before your insurance picks up the beak ) is only needed when you ‘re in an accident or your cable car needs repairs. otherwise, you ‘ll only be paying the premium. then, consider boosing your deductible so you pay less in premiums and then pocket the savings. pro tip : Consider putting some of that savings aside barely in character you do have an car emergency .

4. “Loyalty means nothing”

What if you ’ ve had the lapp car policy ship’s company for your integral adult life ? Do you have to stay with the same ship’s company – flush if your rates keep going up ?

Redditor CaptianTwisty is right — If you can get a better manage by shopping approximately for a new company that offers lower rates for the lapp floor of coverage, it could decidedly be worth it. ( Psst : one in three Americans say they have never re-shopped for family or car indemnity. Do n’t let this be you ! ) Remember when we mentioned earlier that your marital condition factors into how much you ‘ll pay for cable car indemnity ? Redditor M31550 saw $ 800 per year in savings after getting marry, but lone after calling in to update the information on their policy. If you ’ re getting married ( or fair did ), updating your information could well lead to lower car insurance premiums. This is a normally asked question about car indemnity. Learn the answers to other common questions here .

6. Yes, you need uninsured/underinsured motorist coverage

If you ’ re patronize for car indemnity and wondering if your new policy needs all the bells and whistles, you ’ ve credibly pondered good how much uninsured/underinsured motorist coverage you need. Are there truly that many uninsured and underinsured drivers to worry about ? The answer is yes. about 13 % of motorists were uninsured in early 2017, notes the National Association of Insurance Commissioners. And even those who are insured often have express minimal coverage, which could leave you out in the cold if one of them hits you and you surpass their limits cursorily. Life happens. Accidents happen. And if the worst-case scenario takes plaza, you ’ ll be beaming your coverage is broad adequate to make you solid. fix to get started ? You can get started comparing car insurance quotes right here on Policygenius.

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