Saturday, November 14, 2009

Auto Insurance Quotes -- Advice For Huge Savings


You can get high value coverage without breaking the bank. The two things that that keep you from attracting a better rate now are the right information and a resolve to make use of the information you get -- Period. Let us now look at several time-tested ways to get better rates...

1. You will lower your auto insurance premium if you have an outstanding credit rating. Having a poor credit rating is simply making it hard for yourself apart from the fact that your rates will be much higher. The simple reason for this is that there is a general consensus among most insurers that there is a correlation between bad credit histories and high risks. The truth is that they believe that the probability of you missing payments of your premiums is very high. This implies more risk to them and higher premiums for you.

Insurance Quotes

2. A multi-policy discount is a sure way to bring down your overall insurance cost. This simply means you should try to purchase your auto insurance policy from the same company that underwrites your renters, health or LTC insurance policies.

Nevertheless, I must emphasize that you might not be saving as much as you could by changing to another insurer. It is worthwhile that you comparison shop. This done, you will be in a position to determine if staying put would be to your advantage.

3. If you maintain collision and/or comprehensive for an old vehicle which isn't a classic, then you are spending way more than would do you any good. This is because you are reimbursed based on what is known as the Kelly Blue Book value of your car at the time you make a claim. This shows that not minding how much you spen on premiums and the number of years you did, you may get NOT a dime if the book shows the car is worth nothing when you file a claim.

Do the right thing and remove both of them from your car insurance policy. If you take this step you will pay a lot less.

Affordable Auto Insurance

4. We all are aware of the fact that hardly any other age group pays as much for car insurance as the under-25 age group. But for drivers who fall within this age range, getting good grades at school will help you get cheaper rates.

You have to maintain a grade point of not less than B to enjoy a good student discount. For those who meet this eligibility requirement, you can expect discounts of about 5 percent. This is so because insurers think there is a correlation between good grades and a young driver's composure while driving. It's unusual to find reckless under-25 drivers who maintain wonderful grades.

5. There are several anti-theft gadgets like automatic gas cut-off system, alarm systems and stuff like that. They usually get you a discount for the obvious fact that they make it less likely that you car will be stolen. Cars that don't have those mechanisms are preferred targets for thieves.

6. There are vehicles that cost a lot more to give adequate auto insurance coverage. Therefore, as you check out the wonderful specs of the vehicle you intend to buy, don't forget to ask how much it typically costs to insure. Avoid any car that has a high theft rate and/or a poor crash rating.

Furthermore, cars that generally cost more to maintain also cost more to insure. With a little diligence you can avoid buying a car that will cost you much in higher premiums over time.

Discount Auto Insurance

7. Those who stay in crowded areas are more likely to experience one type of auto accident or another if compared to those who stay in rural areas. It makes sense to buy your home in a lightly populated area if it suits you considering that the probability of vandalism, theft or collision is far lower.

8. You can get cheaper quotes on auto insurance today by visiting a minimum of five quotes sites. Each quotes site will take you about 5 minutes or less to obtain quotes. (Some folks fill in details that is not really correct about themselves. That is NOT wise since the quotes you'll get this way will NOT be of any use to you).

You'll simply select what represents the best auto insurance quote for you from the list of quotes returned. It's as simple as that. However, you could get savings hundreds of dollars.

Get Cheap Auto Insurance Quotes And Save Much Now!
Get Quick Free NO-Obligation Quotes Now And Save!

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