Affordable Car Insurance Rates: Five Crucial Facts

Everyone out there would be quite happy to discover a way of enjoying cheaper car insurance rates as long as such a way does not downgrade the level of coverage they get. You'll be shown several useful suggestions in this article...

1. Are you aware of all the discounts that your insurance provider offers? Since agents too are human they might not remember to tell you about some discounts you are eligible for. You will know only by telling your agent that you want to know if you've been told about every discount available. You might be surprised at discounts you've not benefited from.

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

3. A good alternative for you is to use your parents' automobile insurance policy. Your parents certainly belong to a lower risk age group.

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 take advantage of this option. If you want to be the owner of your vehicle, then be the big boy or girl and also own the costly rates. Sorry, you can't have both with this alternative. However, you can still make massive savings by clicking the link at the end of this piece.

4. Try your very best to present your details exactly the way they are. One of the factors that has kept rates as high as they are is insurance fraud. It's making everyone pay a lot more.

Furthermore, an insurer has the right to cancel your policy if you give false details. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

5. You will save a lot if you only have between 25-30 minutes. Visit, get and compare auto insurance quotes from selected insurance quotes sites. The cheapest quote should be what you go for easily.

But, you have to go beyond just the cheapest price to the best price to value ratio. The cheapest may not be the best price/value for you as an individual.

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