Really Cheap Car Insurance? Apply The Following

Everyone out there would be very glad to discover a way to enjoy cheaper rates provided such a way will NOT negatively affect the quality of coverage they get. Here are things that will help you attract big discounts easily...

1. Holding multiple policies with a given insurance company equally gets you a considerable discount. That is, for instance, if you buy an auto insurance policy from the same carrier that underwrites your home owners' insurance.

However, note that you may be better served if you buy your different policies from various insurers who have the lowest quotes for each policy. It's advised that you get and compare quotes. If you do this, you will be in a position to determine if switching would save you more.

2. Policyholders who don't make claims for above 3 years normally enjoy a special discount for it. But bear in mind that not all insurance companies give this discount.

Your agent should be made to realize your dissatisfaction with their refusal to offer you such a discount and do NOT forget to point out that you may change over to another insurance provider. Believe it or not, every insurance company likes having drivers who remain claims free for these number of years and you shouldn't have any difficulty getting cheaper rates with a number of other insurers.

And, as a matter of fact, your insurer is likely to shift grounds if they discover you're really serious about switching.

3. If you have collision and/or comprehensive for an old car which isn't a classic, then you're paying much more than would do you any good. This is because you are compensated based on what is called the Kelly Blue Book value of your vehicle as at when you file a claim. So even if you have paid your premiums diligently for years but the Kelly Blue Book value says your vehicle is worth nothing, you'll get a dime from the insurer and they'll be completely protected by the law.

Do the right thing and remove both of them from your auto insurance policy. If you do this you will save a lot.

4. You will land a more affordable rate if you opt for high deductibles. The right method is to select the highest deductible that you can handle with relative ease.

Your insurance carrier you to pay this amount.

5. Take advantage of every opportunity to NOT drive your vehicle since this will cut down your mileage and, by consequence, your rate. This surely makes sense if you reside in a city where you have access to standard mass transit networks.

You can equally cut down your mileage by joining a carpool.

6. We all are aware of the fact that hardly any other age bracket pays as much for auto insurance as drivers who are less than 25. But for drivers who fall within this age range, maintaining good grades at school will go a long way to help you get more affordable rates.

You need to maintain a grade point not lower than B to get a good student discount. This will shave off up to 5 percent from your rate if you qualify. Students with excellent grades are usually considered more responsible and less prone to reckless driving.

7. You can lower your auto insurance rates by getting and evaluating quotes from at least five reputable quotes sites.
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