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Avoid Accidents to Lower Auto Insurance Quotes

When it comes to finding cheap car insurance, some things are out of your control. One example: the weather. If you live in an area known for snowstorms, hail or hurricanes, your auto insurance quotes are likely to be higher than someone who lives in a calmer region. Accidents are more frequent with extreme weather, and unfortunately, the price you pay for insurance reflects that. Then if you actually get into an accident as a result of the undesirable road conditions, you get hit twice: once because of where you live, then again as a result of the accident. So how can you get cheap car insurance in an area prone to winter storms? There's not much you can do about your location unless you want to move, but you can make sure you take extra precautions during bad weather to prevent accidents. An accident-free record means you'll get lower auto insurance quotes.

 
   

Drive slowly. Slippery roads and low visibility mean you need to be extra careful. When there's ice on the road, it's easy to lose control of your vehicle. But the slower you go, the easier it is to stay in control. Furthermore, when it's difficult to see it can seem like other cars and pedestrians appear out of nowhere. Keeping your speed down makes it easier to catch everything going on around you.

Get to a mechanic. It's smart to take your car in for a tune-up before winter begins. Make sure your defroster and heater are working properly, that your windshield wipers are still fully functional and will hold out for the season, and have your oil, brakes, transmission and coolant checked.

Get winter tires. If you'll be driving in snow and ice frequently, it's worth it to invest in winter tires; they provide up to 50% more traction than all-season tires! Safety precautions like this might even help you get lower auto insurance quotes.

Stay off the road. If at all possible, the best way to avoid accidents is to avoid the storm. If you want cheap car insurance, it's best to eliminate the risk of accidents due to inclement weather. If you can, stay home curled up by the fire. This will keep you safe, and keep your auto insurance quotes down.

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