Automobile Insurance -- Seven Steps For Cheaper Rates

With the right tips you'll get cheaper rates for sufficient coverage. It is as well necessary that I point out that there are tips that might put you at risk even if they save you for now. If you need tips that you can use to save much and still enjoy adequate coverage, read the following...

1. There is A type of discount referred to as "good driver discount." This for policyholders who have not made claims for three years and more. But don't be surprised if your agent tells you your car insurance carrier doesn't give this discount.

If your insurance provider is one of the few who don't offer this discount tell them point-blank that you'll switch to another insurance carrier. Really, you should because you will certainly find a better offer with another company if you've maintained a claims-free status for this number of years.

And, believe it or not, your insurance provider is likely to have a rethink if they notice you are really serious about switching.

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2. Seize every opportunity to avoid driving your vehicle because this will bring down your mileage and, by consequence, your rate. This is especially true for those of us who reside in cities with advanced mass transit systems.

Another recommended option for those who want to bring down their mileage is joining a car pool.

3. Are you retired? Then you're eligible for a retiree discount with most insurers. Retired people don't need to drive to a place of work every day. A driver's annual mileage is a strong issue which determines how much they pay in premiums. Therefore, any event that reduces your total mileage remarkably should cut down your rate.

This savings option is definitely not one any retiree should overlook. You can find out eligibility requirements from your agent. And, if your he/she says they don't offer this very discount, do your best to point out the remarkable change in your mileage. Unless the reduction in your mileage isn't significant, you should look for another insurance provider if you don't get a decent discount.

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4. Features like automatic gas cut-off, alarms and other theft-deterrent devices are encouraged. The risk of theft is a crucial indicator that determines your rate. And because these reduce the probability, you'll attract a sizeable discount if you have them. Thieving rats will think twice before attempting to go for a vehicle with theft-deterrent devices.

5. It's more affordable to insure your car if you live in a sparsely populated area. It makes sense to make your residence in a sparsely populated area if it fits your circumstance since the risk of vandalism, theft or an auto accident is far lower. The more heavily populated your city of residence is, the more expensive your rates.

6. Ensure your auto insurance policy is never allowed to lapse no matter what.. Those who allow this to happen to them attract only higher rates for a long time. This happens to some folks while they are switching to another insurance company.

One way to be certain you do NOT make this costly mistake is to leave your old policy intact until you've confirmed that the new one is fully in place. As simple as this may seem, a lot of people are bearing the burden of higher rates because of this silly little oversight.

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7. Do you know that you might be losing money if you have a car that you've not used for months? Do you have a broken car? Is this car still on your auto insurance policy or have you removed it?

Simple as this looks a lot of people end up paying thousands in unnecessary premiums because they don't remember to remove such cars from their policy. Don't make this mistake.

8. While you do these other things to lower your auto premium, here's what to do to get lower rates today: Visit trusted quotes sites and obtain quotes.

Visit a minimum of five of such sites for the best results. It's free, quick and easy. However, ensure you give your correct details as you fill the questionnaires on each site. Thereafter, simply pick the insurance company that gives you the best price/value from the quotes you've obtained.

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