Cheaper Motor Car Insurance -- Advice For Bigger Savings

You can get high value coverage without paying top price. All you have to do to achieve this goal are pieces of information (Put into good use). Let us get into the tips you need to attract cheaper rates...

1. Drive carefully if you're really keen on getting affordable auto insurance rates. You'll be making a good resolution to stay away from the wheels if you take alcohol.

If you're convicted for driving under the influence (DUI) you've said good-bye to anything but high rates for a very long time. While alcohol-related traffic offences have very instantaneous and serious consequences, speeding tickets will as well make you pay much more if they become frequent. For your safety then and more affordable rates, never break any traffic law despite how small you think it is.

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2. Folks who have more than one vehicle will make considerable savings if they insure all those cars with the same insurer. You are only advised to do otherwise if the sum of your premiums with different insurance carriers is lower than what you'll get with a multi-vehicle discount if you buy from one insurer. You can find out which will serve you best by first doing a little research before taking this step. But if you don't plan to shop around, you can rest assured that you'll still save reasonably with a multi-vehicle discount.

3. You will also get a reasonable discount if you have more than one policy with the same insurance carrier. This clearly means you should endeavor to get your car insurance policy from the same insurer that provides your renters, health or LTC insurance policies.

Howbeit, you must be careful because that an insurance provider gave you low rates for a policy does NOT mean they will for another one. Do comparison shopping with quotes sites and then have a chat with your insurance agent. That way, you will be in a position to say for sure if this would be to your advantage.

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4. There's A type of discount known as "good driver discount." It's for policyholders who haven't made claims for 3 years and more. But don't be alarmed if your insurance agent tells you your vehicle insurance company does not give this discount.

Your agent should be made to understand your displeasure with their refusal to give you this discount and don't fail to point out that you may switch to another insurance carrier. Take it or leave it, every insurer likes having insureds who remain claims free for these number of years and you shouldn't find it hard finding better rates with a host of other insurance companies.

But oftentimes the threat of leaving from you will be enough to make them make an exemption.

5. If you maintain collision and/or comprehensive for an old car which is not a classic, then you're spending way more than is necessary. The reason for this is that insurance carriers base your compensation on what is referred to as the Kelly Blue Book value of a car at any given point in time. So even if you've paid your premiums diligently for years but the Kelly Blue Book value says your vehicle is worth nothing, you'll get a dime from your insurance provider and they'll be fully protected by the law.

Therefore, stop wasting your hard-earned cash. As soon as your car becomes old, stop collision and comprehensive coverage on it. If you do this you'll pay a lot less.

6. Move up your deductible and you will enjoy lower rates. The recommended approach is to select the highest deductible that you can handle with a measure of ease.

Just bear in mind that this is the amount you would have to provide if you file a claim.

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7. Drive as little as as you can since it will lower your mileage and get you a low mileage discount. This is especially recommended for folks who live in cities with advanced mass transit systems.

You can equally bring down your mileage by joining a carpool.

8. You can see savings of hundreds of dollars on your auto insurance policy by obtaining insurance quotes from quote sites. The best strategy is to visit not less than five sites and ensuring that you provide the same (correct) details.

I recommend that you visit at least five quotes sites as it will make it less likely that you'll miss out offers not presented by the other sites. This gives you a broader basis for doing more extensive comparisons thus increasing your chances of realizing more savings.

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