Car Insurance Rates -- Tips For Big Savings

Contrary to what you might have thought, it is quite easy to position yourself for a cheaper rate. You just need the right information and the resolve to implement what you'll learn to start enjoying a more affordable rate. Let us get into the steps you need to attract cheaper rates...

1. Maintain an outstanding credit rating. A bad credit history will attract higher auto insurance rates. The simple reason for this is that there is a general consensus among many insurance carriers that there's a link between bad credit histories and high risks. For some insurance carriers it shows a pattern they believe you might repeat with them in premium defaults. Once you're seen as a higher risk you will get higher auto insurance premiums.

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2. A multi-policy discount is a proven way to reduce your total insurance spend. That is, for instance, if you purchase your auto insurance policy from the same carrier which caters for your home owners' insurance.

However, bear in mind that you may be better off if you buy your different policies from various providers who offer the lowest rates for each policy. Getting quotes and comparing them with what you'll save are highly beneficial steps. You will be sure of the right option for your profile when you take this step.

3. Folks who because of their level of knowledge keep either collision or comprehensive coverage or the two for an old vehicle that's NOT regarded a classic are simply paying much more than would do them any good. A car's Kelly Blue Book value at point of filing claims (and not the price of the vehicle when you bought it) is what affects what you'll be reimbursed by your insurer. This shows that without respect to the amount you paid and the number of years you did, you may get nothing if the book says your car is worth nothing when you file a claim.

So, do the right thing and remove these types from your car insurance policy for all old vehicles. If you do this you will pay a lot less.

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4. Under-25 drivers get very expensive rates. However, one thing you can do to enjoy lower rates if you are part of this age group is maintain good grades.

To enjoy this, however, you must have a minimum of a "B" grade. It attracts a discount of about 5 percent. Experience has proven to insurance carriers that what makes a student keep getting good grades is a level of responsibility which is also carried while driving. It's difficult to find reckless young drivers who maintain wonderful grades.

5. .Try to install anti-theft devices in your car. Since they cut down the probability of your car being stolen, they attract a reasonable discount. Cars that don't have those features are easy targets for thieves.

6. Some vehicles are very expensive to insure. So have this at the back of your mind when you go to buy your next car. Two things that will force you to pay more are a vehicle's crash rating and theft rate.

In addition, it will also take much more to insure a car that is more costly to fix or maintain. With a little diligence you can avoid buying a car that will cost you thousands in higher premiums over a few years.

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7. Those who reside in crowded areas are more likely to encounter one form of car accident or another if compared to those who stay in rural areas. Sparsely populated areas get far better rates because they are less susceptible to risks of vandalism, theft, collision and others that are generally associated with urban areas.

8. You will save much money in auto insurance if you get and compare auto insurance quotes from insurance quotes sites. You'll realize savings if you go to only one of such sites. However, you will get more by visiting at least five.

The straightforward reason for this is that you'll receive a greater number of auto insurance quotes from a wider range of insurers. This raises your chances of receiving better offers.

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