Auto Insurance -- Seven Tips Cheaper Rates

With the right advice you'll get cheaper rates for sufficient coverage. However, if you get the wrong ones, although you may still save, it will be by compromising the quality of coverage you get. If you are interested in advice that you can use to save much and still enjoy adequate coverage, read the following...

1. There is something known as "good driver discount." It is for policyholders who have not made claims for three years and above. But bear in mind that not all providers offer this discount.

If your insurer is one of those who don't give this discount tell them without mincing words that you will go to another provider. As you well know, every insurance company likes having insureds who remain claims free for this long and you shouldn't find it hard getting better rates with a number of other insurance companies.

And, as a matter of fact, your insurer is likely to shift grounds if they see you're very serious about leaving.

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2. Seize every opportunity to avoid driving your vehicle since this will cut down your mileage and, by consequence, your rate. This definitely advisable if you reside in an urban area where you can take advantage of modern mass transit networks.

You can equally cut down your mileage by joining a carpool.

3. Are you retired? Then you should qualify for a retiree discount with several insurers. The obvious argument for this discount is that retired persons generally drive less. This will certainly bring down anybody's mileage.

The finer details for each insurance provider might differ but this is surely an excellent way to lower your automobile insurance rate. Get your insurance carrier's stance on this. And, if your agent says they don't have this very discount, do your utmost to point out the remarkable adjustment in your mileage. This should reflect in better rates for you.

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4. Mechanisms like automatic gas cut-off, alarms and other theft-deterrent appliances are encouraged. The likelihood of theft is an important factor that influences your rate. And since these mechanisms reduce the chances, you'll receive a sizeable discount if they are fitted in your car. Vehicles without such devices are easy targets for thieving rats.

5. It is less expensive to insure your car if you reside in a rural area. It makes sense to make your residence in a less congested area if it suits you since the risk of vandalism, theft or an auto accident is much less.

6. Do your utmost to always make sure your policy does NOT lapse. You'll attract very expensive rates for a long time if this happens to you albeit by mistake. It's easy for this to happen to some individuals while they are changing to another insurer.

Don't cancel your old policy until the new one is fully operational and you'll not make this costly mistake. It looks simple but, believe it or not, a lot of individuals are paying a lot more just because they made this mistake.

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7. Do you have a car you've not driven in months? Do you have a car that you've just forgotten about because of the headaches it gives you or something? Are you still paying premiums on such a car because you did NOT remember to remove it from your auto insurance policy?

Funny as it may seem, this is one reason some folks pay higher rates than they should. 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. Make out some time to visit a minimum of 5 insurance quotes sites that return quotes on auto insurance policies. Doing this will take you around 25 minutes.

While you visit each quotes site, make sure you give the same details. Doing otherwise will produce misleading quotes. After you've received your auto insurance quotes, compare them to see which serves your interest best both in price and value.

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