Cheap Car Insurance Rates -- Five Serious Facts

Do you want a cheaper vehicle insurance rate for the right coverage? Here are things that will help you get huge discounts easily...

1. Take it upon yourself to ask your agent about all the discounts possible with with your preferred insurer. It is possible that your agent might have overlooked a discount you're eligible for. You'll discover simply by telling your agent that you want to know if you've been told about every discount there is. Do not be shocked if you hear of one or two that you have never heard of.

2. There are programs that are designed to make you a better driver. Participate in them. In addition to the fact that they will reduce your rate, they will help keep you and others safer.

3. A good alternative for you is to use your parents' vehicle insurance policy. If you're of driving age, then your parents certainly are far above 25 years which means they are lower risk drivers.

To take advantage of this though, you will have to live with your parents and also have the vehicle registered in their name. If you do not like the idea of giving the car's ownership to them and other stuff that may come with it, then you'll have to forget this option.

4. Make sure you do NOT enter incorrect information as 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're one such people who don't care what your actions cost the rest, then be informed that your insurance provider will cancel your policy once they discover your details are false. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. 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 could save some hundreds of dollars by just receiving and comparing quotes from not less than five insurance quotes sites. And, it will take just a total of 25 minutes.

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