Affordable Vehicle Insurance -- How To Qualify

With the right recommendations you'll get more affordable rates for adequate coverage. However, if you have the wrong ones, even though you may still save, it will be by compromising the level of coverage you get. Here are some time-tested ways to pay far less without putting yourself at risk...

1. For drivers who are under 25 years, car insurance rates can be really expensive. If you fall into this age bracket you can get cheaper rates if you keep getting good grades at school.

The good student discount is for students who get A's or not less than B's. It attracts a discount of about 5%. This discount is given because insurers believe there is a correlation between good grades and a young driver's behavior behind wheels. Students who maintain good grades are usually seen as more responsible and less likely to take to reckless driving.

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2. For those who are above 55 years of age, you can take advantage of a drivers' refresher course. Passing this type of course will position you for discounts of up to 10 percent. You are advised get details on this from your insurance agent.

3. Are you retired? Then you're eligible for a retiree discount with a good number of insurers. Retired persons don't get to drive to work on a daily basis. A driver's annual mileage is a big factor which influences what they pay in premiums. So any event that lowers your total mileage count remarkably must cut down your rate.

This savings option is certainly not one any retiree should ignore. Do learn more about details from your agent. If for some reasons they don't have a retiree discount, remember to inform your insurance agent about your change in mileage. This should reflect in cheaper rates for you.

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4. Mechanisms like automatic gas cut-off, alarms and other anti-theft gadgets are encouraged. The chances of theft is a crucial indicator that determines your rate. And because these mechanisms reduce the odds, you'll get a sizeable discount if you have them. Thieving rats prefer easy targets.

5. Joining an auto club could get you a discount with several insurance companies. Even if this discount is very small it's still something.

6. Being part of associations, particularly the bigger ones, will give you access to discounts on your auto insurance. Insurance carriers offer these associations concessions in the hope that they will in that one move attract a large percentage of their members to get a vehicle insurance policy from them. So ask, one of those associations might have rebates you can take advantage of.

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7. Several insurance providers will hand you a discount if a child on your policy is away at school and does not use the vehicle at that period. Take advantage of this if your kid is in college. Just note that not all insurers have this discount.

8. You will save a lot if you only have between 25-30 minutes. Visit, receive and compare auto insurance quotes from several insurance quotes sites. The lowest offer should be what you pick easily.

Nevertheless, you have to look beyond just the cheapest quote to the best price/value. The lowest priced may not offer the best price/value for you as an individual.

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