Cheap Car Insurance Rates: Five Important Points

Do you want a more affordable auto insurance rate that still leaves you with sufficient coverage? Let's explore a number of time-tested steps to achieving just that...

1. Ask your agent personally about all the discounts possible with with your preferred insurance provider. There is a possibility that your agent has left one or two out. The only way to ensure it's false in your case is by asking your agent to list out all discount that your preferred insurance carrier gives. Do not be surprised if you hear of discover that you've not heard of.

2. Defensive driving helps so complete a course on it. In addition to making you a safer driver, they will qualify you for a discount with your insurance carrier provided such a class is recognized by them.

3. An alternative for you is to use your parents' automobile insurance policy. If you are of driving age, then your parents certainly are far above 25 years which means they are better risk drivers.

There are two conditions that you must fulfill for this to be possible: The vehicle must be registered in your parents' name and you must live with them. If you want to own your car, then be the big boy or girl and also own the higher rates. Sorry, you cannot have both with this alternative. However, you can still make huge savings by clicking the link at the end of this piece.

4. Make sure you do NOT give incorrect personal details as you fill your forms. False representation is fraud and affects everyone's auto insurance rates negatively.

If you couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation. This could make you lose a lot more than what you thought you would save. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

Reports have it that the average American family pays about $1,500 extra premium dollars because of insurance fraud. 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 can get lower quotes on auto insurance now by visiting at least five quotes sites. Each quotes site will require around 5 minutes or less to request quotes. (Some people present information that are not quite correct about themselves. That isn't wise since the quotes you'll get this way will NOT be of any use to you).

You'll have to choose what represents the best auto insurance quote for you from the list of quotes obtained. That's all there is to it. Nevertheless you could easily save hundreds of dollars.

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