Dirt Cheap Automobile Insurance -- 4 Guaranteed Steps

1. A multi-vehicle discount is a smart and easy way to get more affordable car insurance rates. It makes sense to insure all your vehicles with the same insurer unless you have a better rate for a number of your vehicles with another insurer. You can ensure you are making the right choice by doing thorough comparison shopping. But anyway, a multi-vehicle discount is one way to get lower rates.

2. Maintaining several policies with the same insurer also gets you a considerable discount. That's, for example, if you buy an auto policy from the very provider which caters for your homeowners' insurance.

Howbeit, bear in mind that you may be better off if you buy your different policies from various insurers who give you the best quotes for each policy. It's advised that you comparison shop. You'll be certain of the better choice in your case when you do this.

3. Drivers who don't make claims for more than three years usually get a discount for this. A number of insurance companies don't give this without some persuasion.

Your agent must be made to understand your displeasure with their refusal to offer you this discount and do NOT forget to point out that you will possibly leave for another insurance carrier. Believe it or not, 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 many other providers.

Almost all insurance carriers will do everything within their powers to ensure they don't lose you and this will likely lead to a compromise on their part.

4. You will save a lot if you can shop around and do detailed comparison. The the difference in quotes returned per query could be as wide as $1,000 for a particular person. Notwithstanding that this is a good thing, it's crucial that you don't get too excited yet. It's not normally that straightforward if you're after the best price/value.

The lowest quote may not give you the best price/value. Despite the fact that each of the quotes returned will definitely give you the same basic coverage, there may be a number of differences in the details of each insurer's coverage. This makes it imperative that you find out if there aren't any exclusions you won't like.

Remember to treat these no-obligation quotes as their name implies. Don't feel obliged to pay unless you've had all your questions answered to your satisfaction. You will prevent rude shocks later if you do this.

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