Auto Insurance -- 7 Steps For Cheap Rates

Anyone who uses proven advice will easily get more affordable rates without sacrificing sufficient coverage However, if you are given the wrong tips, even though you may still make huge savings, you will do so by downgrading the quality of coverage you'll enjoy. I will, nevertheless, only make recommendations that will help you save much while you still maintain sufficient coverage...

1. Drivers who do NOT make claims for over 3 years usually enjoy a discount for it. But don't be surprised if your insurance agent says that your vehicle insurance provider does not offer this discount.

Your agent must be made to understand your dissatisfaction with their refusal to offer you such a discount and do NOT forget to point out that you will possibly leave for another insurer. As a matter of fact, you should because you will certainly enjoy a better offer somewhere else if you've kept a clean slate for this number of years.

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

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2. Seize every opportunity to NOT drive your vehicle as it will reduce your mileage and, by consequence, your rate. This surely advisable if you reside in an urban area where you can use modern mass transit systems.

Joining a carpool is also another innovative way of cutting down your mileage.

3. Retirees are offered a special discount by many insurance providers. You'll definitely NOT drive as often as you used to do once you retire. A driver's total mileage is an important point that affects what is paid in premiums. Therefore, anything that lowers your total mileage count considerably should reduce your rate.

The details for each insurance carrier might differ but this is definitely an excellent way to lower your vehicle insurance cost. You can find out details from your insurance agent. Even if they don't refer to it as retiree discount, telling them of a considerable reduction in mileage is necessary. You are entitled to a reduction in rate if the decrease in your mileage is big.

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4. There are a number of anti-theft gadgets like alarm systems, automatic gas cut-off system and so on. They normally attract an anti-theft discount for the obvious fact that they make it less likely that you car will be stolen. Cars without such mechanisms are easy targets for thieving rats.

5. It's cheaper to insure a car if you stay in a rural area. If you can reside in a rural area you will attract the lower rates since the risk of vandalism, crash or theft is quite low in such places.

6. Ensure your auto insurance policy is never allowed to lapse for any reason.. People who let that befall them attract only higher rates for a long time. This happens to some folks when they are changing over to another insurance carrier.

To avoid a lapse, make sure that the new policy is fully in in force before you terminate the old. It looks simple but, take it or leave it, a lot of people are paying higher rates today simply because they made this mistake.

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7. Do you know that you might be losing money if you have a car that you've not used for months? Do you have a broken car? Have you removed it from your auto insurance policy?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. I hope this is not the case with you.

8. You will save a lot if you really have between 25-30 minutes. Visit, receive and compare auto insurance quotes from various insurance quotes sites. The cheapest quote should be what you pick easily.

But, you have to look beyond just the cheapest quote to the best price to value ratio. The cheapest may not offer the best price/value for you as a person.

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