Dirt Cheap Car insurancerates -- Seven Guaranteed Recommendations

I'll reveal more ways anyone can get big discounts without downgrading their coverage. Also take note of the precaution you are advised to take as you make use of these tips...

1. Some professions attract more affordable rates. Scientists, for instance, pay a lot less than business owners. Statistics, for example, reveals that scientists (because of their discipline and lifestyle) are better risks than every other profession.

Your agent should be able to tell you if your profession qualifies you for a discount. However, the discount you'll be given varies from company to company.

2. Those who live in crowded areas are more likely to have one form of car accident or another when compared to people who live in rural sparsely populated areas. If you can live in a rural area you'll get the best rates possible for your profile because the risk of vandalism, crash or theft is so low in such areas.

3. You might be able to bring down your rate if you take time to review your policy from time to time. It's interesting to note that a lot of people still pay for things they needed yesterday but no longer need for today. How about removing your just-wedded daughter from your policy?

There are discounts you might have qualified for. It might also no longer be in your best interest to retain certain coverage types.
Review your policy at least once a year or twice yearly. You might see a few things that are no longer necessary and save as you drop them.

4. For no reason must you allow your policy to lapse.. It will make you pay expensive premiums for a long time. This happens to some folks when they are switching to another insurance carrier.

A simple way to ensure you do NOT make this type of mistake is to leave your old policy intact until you've confirmed that the new one is fully operational. Many individuals are paying higher rates than they would otherwise just because of this mistake. So do take care so you don't become one of them.

5. Is it possible you have a car that you've not used for a long while? Do you have a car that you've just forgotten about because of the headaches it gives you or something? Is this car still on your auto insurance policy or have you removed it?

Simple as this looks a lot of people end up paying thousands in unnecessary premiums because they don't remember to remove such cars from their policy. If you made this kind of mistake then you can save yourself a lot of bucks by quickly removing an unused car or cars from your policy.

6. Paying your premium yearly will attract lower rates than choosing monthly payments. True, monthly payments might be stressless but they are also much more expensive.

If you do transactions with banks you will agree with me that each check you process is regarded as transaction which attracts charges. For twelve checks (that is, your monthly premiums) you will have a total of twelve transactions. You'll then have to pay the sum of 12 transaction fees..

Besides there are also administrative costs that are incurred due to the monthly payment option. A clear example of such is the expense associated with sending out payment notices..

These costs plus a profit margin for this feature is included in your rates making it more than the same profile that pays annually every year.

7. You will save much by visiting a minimum of 5 quotes sites. If you do this, you will get the lowest quotes possible since five sites will present up to 25 quotes altogether.

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