Cheapest Car Insurance -- Tips For Bigger Savings

Everyone can get high value coverage without breaking the bank. The two things that that keep you from attracting a cheaper rate at the moment are relevant information and a commitment to use the recommendations you get -- That's all. Let's look at a few time-tested ways to get this done...

1. Drive carefully if you're truly keen on enjoying affordable car insurance rates. You'll be making a wise decision to always avoid being behind the wheels if you take alcohol.

If you're convicted for driving under the influence (DUI) you've said good-bye to affordable rates for some years. And don't ignore those speeding tickets because they cost you a lot more than the fine you pay. They add up to raise your rate. Therefore, if it's breaking traffic laws, avoid it no matter how negligible it may appear to be at the time.

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2. A multi-vehicle discount is a proven and easy way to enjoy cheaper rates. You can only do otherwise if the sum of your premiums with different insurers is less than what you'll get with a multi-vehicle discount if you buy from one insurance company. You can ensure you are choosing the best in your case by doing extensive comparison shopping. But if you don't plan to shop around, you can be sure that you'll still save considerably with a multi-vehicle discount.

3. Having multiple policies with a given insurer equally attracts a considerable discount. All you have to do to qualify for this discount is to buy your vehicle insurance policy from the same insurer that is underwriting, for example, your homeowners insurance.

Howbeit, care has to be taken because the fact that an insurance provider offered you low rates for one policy doesn't suggest that they will for another. Shopping around for quotes and comparing them with what you'll save are highly recommended steps. When you're done, you won't be be taking chances as you choose which to do because you know for sure which brings bigger savings.

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4. People who don't make claims for more than 3 years normally get a discount for this. A number of insurance providers do NOT present this discount without some coercion.

If your insurance carrier is one of those who don't give this discount let them know point-blank that you will go to another insurer. As a matter of fact, you should because you will definitely get a better offer with another company if you've maintained a claims-free status for this long.

But oftentimes a serious threat of leaving from you is enough to force them to make an exemption.

5. You are surely spending more than necessary if you've got collision and comprehensive coverage types for an old vehicle that is not a classic. The reason for this is that insurance companies base your compensation on what is called the Kelly Blue Book value of your vehicle when you file claims. This means that not minding the amount you've spen on premiums and the length of time you did, you will get absolutely nothing if this book shows the vehicle is worth nothing by the time you file a claim.

So, stop wasting your money. As soon as a vehicle gets old, stop collision and comprehensive coverage on it. Doing this will give you much savings and not put you at risk at the same time.

6. You'll attract a lower rate if you select high deductibles. The best strategy is to select the highest deductible that you can provide with a measure of ease.

Just take note that this is the amount you would have to pay for by yourself if you make a claim.

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7. Seize every opportunity to avoid driving your car since this will reduce your mileage and, by extension, your rate. This relates more to people whose vocation and location give easy access to standard mass transit networks.

Carpooling is also another great way of reducing your mileage.

8. You can realize savings of hundreds of dollars on your auto insurance policy by obtaining insurance quotes from quote sites. The best method is to visit at least five sites and ensuring that you provide the same (correct) information about yourself.

I advise that you visit at least five quotes sites as it will make it less likely that you'll miss out better quotes not given by the other sites. This offers you a broader basis for doing more extensive comparisons thereby increasing your chances of realizing more savings.

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