Automobile Insurance -- 7 Tips More Affordable Rates

Anyone who uses proven advice will easily attract more affordable rates while maintaining adequate coverage But on the other hand, if you are given the wrong ones, in spite of the fact that you may still make huge savings, it will be by downgrading the quality of coverage you'll enjoy. Here are some great ways to get cheaper rates without opting for inadequate coverage...

1. Remaining without making claims will result in a good driver discount. But take note that not all insurance companies present this discount.

If your insurer is one of the few who don't offer this discount tell them point-blank that you will move over to another provider. In fact, you should leave them because you'll certainly find a better offer with another company if you've kept a claims-free status for this long.

However, more often than not a serious threat of leaving from you will be enough to make them shift grounds.

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2. Your rate is seriously affected by your annual mileage. Therefore do all you can to NOT drive your car whenever there is a viable option. This relates more to people whose occupation and place of residence give easy access to public mass transit networks.

You can also bring down your mileage by joining a carpool.

3. Retired persons are given a special discount by several insurance providers. Retired folks don't have to drive to a place of work every day. This will effectively cut down anybody's mileage.

Remember that you are eligible for this if you are retired. Find out your insurance provider's position on this from your agent. If for some reasons they don't have a discount like this, don't forget to tell your insurance agent about your change in mileage. This should bring about better rates for you.

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4. There are a number of theft-deterrent gadgets like alarm systems, automatic gas cut-off system and so on. The risk of theft is a crucial parameter that goes a long way to determine your rate. And because these devices cut down the probability, you'll attract a sizeable discount if they are fitted in your car. Thieving rats will think twice before trying to go for a car with anti-theft devices.

5. It is cheaper to insure your vehicle if you reside in a sparsely populated area. It is a smart move to live in a less congested area if it fits your circumstance since the risk of vandalism, theft or an auto accident is far lower.

6. For no reason must you allow your auto insurance policy to lapse.. It will make you pay high premiums for a considerable length of time. This happens to many individuals while they are changing over to another insurance carrier.

Don't terminate your previous policy until the new one is fully in force and you'll not make this costly mistake. Many people are paying more than they should just because of this mistake. So do take care so you don't become one of them.

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7. Is it possible you have a car that you've not used for a long while? Is one of your cars been covered in the garage for up to six months because it's broken? 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. Don't make this mistake.

8. While you take other steps to bring down your auto rates, here's something you can do to receive lower rates now: Visit good quotes sites and obtain quotes.

Visit at least five of such sites for the best results. It's free, quick and easy. Make sure you give your correct details as you fill the questionnaires presented. Thereafter, just choose the quote that represents the best price/value from the quotes you've obtained.

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