Friday, November 20, 2009

Cheapest Car Insurance -- Advice For Big Savings


Contrary to what you might be made to believe, it is quite easy to attract a cheaper rate. You only need the right tips and the motivation to practice what you'll be taught to start enjoying a better rate. Let's get into the ideas you need to enjoy more affordable rates...

1. Do your utmost to always drive responsibly. You'll be making a smart decision to stay away from the wheels if you take alcohol.

Traffic offences that are related to having more than the allowed level of alcohol in your system invariably make you attract unbearable rates. Even those speeding tickets do add up to make you pay more expensive rates on the long run. For your safety then and cheaper rates, never break any traffic law despite how negligible you think it is.

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2. A multi-vehicle discount is a smart and simple way to enjoy more affordable rates. Howbeit, there are a number of cases where you'll save more by insuring each car with different insurance carriers. Doing some shopping and then comparing with what you'll get from a multi-vehicle discount is a good way to be sure if this is in your best interest. But however you look at it, a multi-vehicle discount is one way to get lower rates.

3. Maintaining multiple policies with one insurance company as well draws a reasonable discount. This clearly implies you should endeavor to purchase your car insurance policy from the same carrier that handles your renters, medical or LTC insurance policies.

Howbeit, care has to be taken because the fact that an insurance carrier offered you great rates for a policy doesn't suggest that they will for another one. It's advised that you comparison shop. Thereafter, you won't be taking a blind leap as you make your choice since know definitely which brings bigger savings.

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4. There is something known as "good driver discount." It is for drivers who haven't made claims for 3 years and more. Several insurance companies don't offer this without some persuasion.

Your agent must be made to realize your dissatisfaction with their refusal to offer you this discount and do NOT fail to stress that you will possibly switch to a different insurance carrier. Take it or leave it, every insurance provider likes having policyholders who remain claims free for these number of years and you shouldn't have any difficulty getting cheaper rates with a number of other providers.

Almost all insurance providers will do everything possible to ensure they do NOT lose you and this will likely lead to a compromise on their part.

5. If you keep collision and/or comprehensive for an old car that isn't a classic, then you're paying much more than would do you any good. This is because you are paid compensation based on what is called the Kelly Blue Book value of your car as at when you file a claim. Therefore, you'll get nothing if the book shows that your car isn't worth a dime when you file a claim.

Therefore, do yourself a favor and drop these types from your car insurance policy for all old cars. This simple step will cut down your costs and not compromise you at the same time.

6. Raise your deductible and you'll get cheaper rates. The recommended method is to choose the highest deductible that you can pay with a measure of ease.

Just bear in mind that this is what you'd have to contribute if you file a claim. Therefore make it as high as you can but keep it within easy reach.

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7. Your rate is seriously affected by your total mileage. Therefore do all within your power to leave your car whenever there is a good option. This relates more to those whose profession and location make it easy for them to use standard mass transit systems.

Another recommended option for those who want to cut down their mileage is carpooling.

8. You can get cheaper rates on auto insurance now by visiting at least five insurance quotes sites. Each quotes site will require about 5 minutes or less to receive quotes. (Some folks present information that are not quite correct about themselves. That is NOT a smart move since the quotes you'll get this way will NOT be of any use to you).

You'll have to select what represents the best auto insurance quote for you from the list of quotes returned. That's all there is to it. However, you could make savings hundreds of dollars.

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