Auto insurance repair scams are getting increasingly common these days. There are a dishonest bunch of car body shops around who generally target the car owners after a severe accident when the car would need a thorough repair. It’s because when you have met up with an accident you would be in a deep stressful situation and thus won’t be able to think much before sending your treasured for repair.
So what are the common auto insurance repair scams these days? The first one is repairing your car with poor quality body parts. Yes, the scam artists from the body shop will claim to use brand new parts here and would charge the bill accordingly to your insurance firm but in reality they would use poor quality parts. As a result your car would be prone to damages frequently resulting in ever increasing repair and maintenance fee for you.
Another common scam here is fraudulent replacement of windshields. Many a times you will find an over caring mechanic approaching you voluntarily for replacement needs for windshield. In most of the cases these are scam mechanics who will somehow convince you for a windshield replacement. If you fall prey to them they will supply you a lesser quality shield claiming it to be a top notch one with high price and the difference is not easy to detect for an average driver. Now, a substandard windshield would be prone to damage easily leading to frequent repair expenses on your part. Besides, these scam artists can use your insurance details & file several false claims on windshield replacement on your name that in turn can make the insurance company cancel the policy finally. So no matter how pressurized or stressful you are, always make sure to settle with a well recognized repair shop. Besides, you should have your car inspected by a qualified mechanic after the repair work to ensure everything is according to the claims made by the repair shop.
How To Fetch Lower Car Insurance Rates?
If you are on east coast car insurance is the next essential right after you get a car. Your car is undoubtedly one of your most valuable assets and you would certainly wish to arrange maximum protection for it in case of accidents or attacks. However, many car owners are scared getting an insurance coverage due to high premium rates. But there are some factors that can actually help you in fetching lower insurance rates on your car.
Clean driving record
You can easily fetch good discounts on your car insurance premium if you can show up with a clean driving record. If your driving record is infested with too many speeding tickets and stains of driving convictions due to carelessness on road, the insurance companies won’t consider you as a safe driver. As unsafe drivers are most likely to make claims, the insurance rate would be definitely higher for them. But if you can manage to keep a clean profile with no or less speeding tickets and get driver’s education from a good traffic school you would be deemed as a safe driver. Safe drivers are generally greeted with lower insurance premiums.
Time spent on road
The car insurance rates are higher if you are frequent on road. It’s believed that people who spend less time on cars would be less likely to cause accidents as they are rarely available on road. In this case, the insurance rates would be lower.
Type of car Your insurance premium will depend hugely on your choice of car. As per the studies, the SUVs can fetch really cheaper insurance rates in comparison to other cars. It’s because the SUVs are comparatively safer cars and get fewer accidents. Moreover these cars come with low repair costs.