Cheapest Car Insurance -- Suggestions For Certain Age Brackets

1. Under-25 drivers get very expensive automobile insurance rates. If you fall into this age range you can get lower rates if you maintain good grades at school. It's known as the good student discount.

The good student discount is for students who get A's or a minimum of B's. This attracts a discount of about five percent. This discount is given because insurers believe there is a correlation between good grades and a young person's composure while driving. It's unusual to find reckless young drivers who keep getting wonderful grades.

2. Taking a drivers' refresher course will help drivers above 55 reduce their rates. You can save on your monthly premium by as much as 10 percent if you go through this course. You can get more information about this from your agent.

3. Are you retired? Then you're eligible for a retiree discount with most insurance providers. Retired persons do NOT get to drive to a place of work on a daily basis. A driver's total mileage is an important point which influences what is paid in premiums. So any event that reduces your annual mileage remarkably must lower your rate.

The fine points for each insurance carrier might differ but this is surely a good way to cut down your automobile insurance cost. Get your insurer's position on this. If for any reason they don't have a retiree discount, remember to tell your agent about the change in your mileage. This should bring about more affordable rates for you.

4. The most important step to massive savings in auto insurance is comparison shopping -- That's if you do it well. You can get quotes that will have a range in excess of $1,000. You could easily save so much by simply choosing the lowest quote. This should apply if you're simply after the lowest price.

However, if you're looking for the best price/value then you would have to look at the details of the lowest quotes. Different insurers may have adjustments for similar policies. It's important that you ask the agent what's included and what's excluded.

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