Car Insurance Quotes -- To Save Much, Try These

Everyone in their right mind would be very pleased to find a way of enjoying cheaper rates as long as such a way won't negatively affect the level of coverage they get. Let's explore several sure-fire ways of achieving just that...

1. There are cars that cost far more to give adequate auto insurance coverage. Therefore, have this at the back of your mind when you go to buy your next vehicle. Two factors that will make you pay more for auto insurance are a car's crash rating and theft rate.

Also, vehicles that typically cost more to maintain also cost more to insure. This is my personal opinion; but it is a smart thing to buy a comparable vehicle that is more insurance-friendly.

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2. You will get cheaper rates if your car has a higher safety rating. Go for cars that have systems that improve safety. Such mechanisms attract a big discount. For more information on these and how much savings you'll realize by having them, discuss with your insurance agent.

3. Young drivers are statistically very bad risks. Worse still, if they are teenagers their auto insurance rates could be really high.

So you'll do well to NOT place your teenage driver on your policy. You'll be made to pay very high rates if you do otherwise. You can discuss with your agent about signing an exclusion form so that your teen driver can have his/her own auto policy.

It's a fair price for them to pay to enjoy the adult privilege of driving. This act will save you more than money as your teen driver will happily listen when suggestions are made on things that will bring down the high rates they pay. Your teen will also be safer as the steps that will bring down his/her rates will make her a more responsible behind wheels.

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4. The longer you stick with the same insurer the more you stand to gain for two reasons: The long term discount and accident forgiveness. Some insurers will give you up to 5% in discounts once you've been with them for up to three years while others will give you such a discount only when you've stayed for up to five.

Furthermore, if a long term policy holder files just one claim, most insurers will NOT raise their rates thereafter. These are all incentives for you to stay with them for as long as possible.

But it will only be right for me to also point out that in spite of these incentives, you might actually gain more if you switch to another insurer.

let'sassume, that you will get a 5 percent (or $125) discount after your third year with an insurance company where you current auto insurance premium is $2,500.

But because of inflation, insurers may have to re-adjust their rates to reflect those changes. But while you are at it, an insurer somewhere could be ready to offer a rate of $2,000 or less within that period. If this is true about you then you know it's wise for you to go for the cheaper offer right away and not wait for years to become entitled to a discount that won't even save you as much.

Moreover, in nearly all cases, most people can easily pay a lot less than they are presently on auto insurance if they do thorough shopping.. Since the process of obtaining and comparing auto insurance quotes involves just minutes, I'll wonder why you will not do that now and get cheaper auto insurance rates immediately.

5. Defensive driving will help reduce your rates so enrol in a center that does it. In addition to the fact that they will reduce your rate, they will help keep you and others safer.

6. It's easy to save a few hundred dollars on a home but lose thousands over the years on auto insurance because of its location. Do you know also know that homes within the same neighbor might actually fall into different risk zones according to the insurance industry's mapping?

So check with your agent before you commit to a new home. This doesn't come readily to mind when you're shopping for a new home. Does it?

Remember, you might live in this home for up to 20 years or more. If its location makes you pay up to $200 more in premium, that will add up to $4,000 within that time frame.

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7. A good alternative for you is to use your parents' auto insurance policy. If you are of driving age, then your parents certainly are far above twenty five years which means they are better risk drivers.

To take advantage of this though, you will have to live with your parents and also have the vehicle registered in their name. This means that they legally own the vehicle. If the benefits of "independence" outweigh your auto insurance savings then this is certainly not alternative for you.

8. As you take other steps to reduce your auto premium, here's what to do to get lower rates now: Visit trusted quotes sites and get quotes.

Visit not less than five of such for the best results. It's free, quick and easy. However, ensure you give your correct details as you fill the questionnaires presented. All you have to do next is simply choose the insurer that represents the best price/value from the quotes return.

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