OPEN HAND TO PAY LESS - LEARN WHAT YOU CAN DO TO LOWER THE PRICE OF INSURANCE

Find the best deal and ask if you can pay less. The price of insurance, called premium is calculated by the probability of an accident, technically called a loss. Data such as profile of the insured, location and vehicle use are crucial in defining the price of insurance. Some details can not be changed. Age, for example.
The insurance will always be more salty for drivers ages 18 to 25 years. Besides being young and statistically more likely to drive dangerously, these drivers in general study and to make matters worse, the neighborhood in universities are considered critical by the insurers, because they are areas of high incidence of vehicle thefts.
However, the insured need not conform with what the companies offer, and can get to pay less if you know how to negotiate before signing the contract. Some companies offer good discounts to those who install equipment to protect the car thefts, such as scanners and devices that prevent the car is turned on.
Another resource is to ask the insurer to raise the value of the franchise, which is paid by the insured only in case of accident. She works as a guarantee that the insured will not send the car for bodywork at the expense of the insurer every time someone touches the bumper for parking in the supermarket. By increasing the value of the franchise, the insured is obligated to repair virtually on their own accidents that cause damage to light or medium. When it is worth asking to increase the franchise?
The recommendation of experts to analyze their own risk profile. The most quoted are those in which the likelihood of accidents is lower. Who uses the little car, drive carefully and always park in closed garages can run a little more risk and save time for insurance.
Already motorists who use the car for longer, are always on the road, traveling to regions where the probability of an accident is higher, should you choose to pay more and have more protection.
"Price is important but should not be the only deciding factor,"
"The insured may insure no need to use it but have to think of problems that will occur if the accident and whether the coverage is insufficient."