Auto Insurance -- Seven Steps For Cheap Rates

With the right tips you'll get more affordable rates for sufficient coverage. But also bear in mind that you could save if you use the wrong tips. The only difference is that you will be compromised in the quality of coverage you get. Here are some great ways to pay far less without putting yourself at risk...

1. Drivers who don't make claims for more than 3 years usually attract a discount for it. But remember that not all insurers present this discount.

If your insurance carrier is one of those who don't give this discount tell them clearly that you will move over to another provider. As you well know, every insurance company likes having policyholders who stay claims free for these number of years and you shouldn't have any difficulty getting lower rates with a number of other insurance companies.

But oftentimes the threat of leaving from you will be enough to force them to shift grounds.

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2. Seize every opportunity to NOT drive your car since it will bring down your mileage and, by extension, your rate. This is particularly recommended for people who live in cities with advanced mass transit systems.

Another good alternative for those who want to cut down their mileage is joining a car pool.

3. Are you retired? Then you should qualify for a retiree discount with several insurance providers. Retired folks don't have to drive to work on a daily basis. Driving less will result in lower mileage which definitely makes you a lower risk.

The details for each insurer might differ but this is surely an excellent way to lower your vehicle insurance rate. Find out your insurance provider's stance on this from your insurance agent. If for any reason they do NOT have a retiree discount, don't fail to tell your insurance agent about your change in mileage. This should result in cheaper rates for you.

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4. There are a number of theft-deterrent devices like alarm systems, automatic gas cut-off system and so on. They normally get you an anti-theft discount for the obvious reason that they make it less probable that you car will be stolen. Car thieves will think twice before trying to steal a car with theft-deterrent devices.

5. Folks who stay in densely populated cities are more likely to have one form of auto accident or another when compared to those who live in sparsely populated areas. Sparsely populated areas get much cheaper rates because they are less susceptible to risks of vandalism, theft, collision and such problems that are normally associated with urban areas.

6. For no reason should you allow your auto insurance policy to lapse.. Individuals who let that befall them attract only higher rates for a long time. Don't make room for this mistake if you're changing insurers because that's when this happens to many people.

A simple way to ensure you do NOT make this costly mistake is to let your old policy keep running until you're sure the new policy is in full force. Many people are paying higher rates than they should just because of this mistake. Therefore, make sure you don't become one of them.

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7. Do you have a car you've not driven in months? Do you have a broken car? Have you removed it from your auto insurance policy?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. 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.

8. Visit not less than five quotes sites. Using a minimum of five quotes sites increase the chances that you'd obtain cheaper auto insurance quotes. This is because offers not covered by one site will be represented by the other.

Moreover, you should understand that because the likelihood of getting lower auto insurance quotes has to do with the range of quotes you obtain, the more insurance companies you get quotes from, the higher your chances will be.

Obtaining your auto insurance quotes online will help you save a bundle if you invest just 25 minutes to obtain quotes from not less than 5 sites.

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