Vehicle Insurance -- Seven Steps For Lower Rates

Anyone who makes use of the right tips will easily get more affordable rates without sacrificing sufficient coverage However, if you are given the wrong tips, in spite of the fact that you may still save, it will be by downgrading the level of coverage you get. Here are some sure ways to pay far less without putting yourself at risk...

1. People who don't make claims for more than three years usually attract a discount for it. Some insurers do NOT present this discount without some persuasion.

If your insurance carrier is one of those who don't give this discount let them know without mincing words that you will move over to another provider. Really, you should because you will definitely find a better offer with another company if you've kept a clean slate for this number of years.

And, believe it or not, your insurer is likely to have a rethink if they discover you're really serious about switching.

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2. Seize every opportunity to avoid driving your car as this will cut down your mileage and, by extension, your rate. This applies more to people whose vocation and place of residence make it easy for them to use public mass transit systems.

You can also cut down your mileage by carpooling.

3. Are you retired? Then you should qualify for a retiree discount with a good number of insurers. The plain argument for this discount is that retirees generally drive less. Driving less means lower mileage which surely makes you a lower risk.

The finer details for each insurance provider might differ but this is certainly a good way to cut down your auto insurance cost. Get to know your insurer's position on this from your insurance agent. If for any reason they don't have a retiree discount, don't forget to tell your agent about the change in your mileage. Unless the change in your mileage isn't big enough, you should shop for another insurance carrier if you are NOT given a discount.

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4. .Try to install anti-theft devices in your car. Since they cut down the odds of your vehicle being stolen, they bring a sizeable discount. Thieving rats prefer easy cars.

5. You will spend far more on auto insurance if you reside in New York City than you would if you resided in some rural town. If you can live in a rural area you'll attract the lower quotes because the risk of vandalism, crash or theft is so low in such areas.

6. Make sure your auto insurance policy is not allowed to lapse no matter what.. Those who allow this to befall them attract only higher rates for a long time. This happens to some folks while they are switching to another insurance company.

One way to be certain you do NOT make this costly mistake is to let your old policy keep running until you've confirmed that the new policy is fully in place. As simple as this may seem, many folks are bearing the pain of higher rates because of this silly little oversight.

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7. Do you have a car you've not driven in months? Do you have a broken car? Is this car still on your auto insurance policy or have you removed it?

Funny as it may seem, this is one reason some folks pay higher rates than they should. I hope this is not the case with you.

8. You will save a lot of money in auto insurance if you get and compare auto insurance quotes from insurance quotes sites. You will realize savings if you use just one quotes site. However, you will get more by using at least five.

The simple logic in this is that you'll receive a greater number of auto insurance quotes from many more insurance companies. This raises your chances of receiving better rates.

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