Affordable Car Insurance Rates -- Five Important Points

Do you want a lower automobile insurance rate while maintaining adequate coverage? Here are tips that will help you attract considerable discounts with ease...

1. Ask your agent personally about all the discounts possible with with your chosen insurance provider. There is a possibility that your agent has left one or two out. You'll know simply by telling your agent that you want to know if you have been informed about every discount possible for your profile. You might be astonished at discounts you have not benefited from.

2. There are programs that are designed to improve your driving. Participate in them. Apart from the fact that they will help lower your rate, they will make you a better driver.

3. As an under 25, you can pay cheaper car insurance rates if you use your parents' policy. If you are of driving age, then your parents certainly are far above twenty five years which means they are lower risk drivers.

You have to bear in mind, though, that the car must be registered in their name and you must be living with them if you want to use this option. If you do not like the idea of giving the car's ownership to them and other stuff that may be attached to that, then you will have to forego this alternative.

4. Make sure you do NOT give wrong details when you fill your forms. One of the factors that has kept rates as high as they are is insurance fraud. It's making everyone pay a lot more.

If you couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation. You'll then lose in a very big way. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

Reports have it that the average American family pays about $1,500 extra premium dollars because of insurance fraud. You can help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.

5. You will save much money in auto insurance if you obtain and compare auto insurance quotes from quotes sites. You will make savings if you go to only one of such sites. But, you'll get more by using at least five.

The plain logic in this is that you will obtain a greater number of auto insurance quotes from a wider range of insurance companies. This increases your chances of receiving better quotes.

Get Affordable Auto Insurance Now
Get Auto Insurance Quotes Now!