Automobile Insurance -- Seven Steps For Cheap Rates

Anyone who uses proven advice will easily attract cheaper rates while maintaining adequate coverage But also note that you could make savings if you get the wrong tips. The only thing is that you will be compromised in the quality of coverage you get. Here are some sure ways to get cheaper rates without opting for inadequate coverage...

1. Drivers who do NOT make claims for above 3 years generally enjoy a special discount for it. Several insurers don't give this without some pressure.

If your insurance carrier is one of the few who don't give this discount let them know clearly that you'll move over to another insurance carrier. With this quality of driving record getting a much lower rate is certainly quite easy since policy holders who stay claims free are every insurance provider's dream.

Most insurers will do everything within their powers to make sure they don't lose you and this will likely lead to a concession from them.

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2. Your rate is seriously influenced by your total mileage. Therefore do all within your power to leave your vehicle wherever you have a viable option. This applies more to those whose profession and location give easy access to standard mass transit networks.

Joining a carpool is equally another smart way of cutting down your mileage.

3. Many companies offer a retiree discount. The obvious logic for this discount is that retirees generally drive less. A driver's total mileage is a strong point which influences what they pay in premiums. Therefore, anything that reduces your total mileage considerably must reduce your rate.

Note that you are eligible for this if you're retired. Therefore it's recommended that you ask your agent. Even if they don't call it a retiree discount, reporting a remarkable reduction in mileage is important. You are entitled to a lower rate if the decrease in your mileage is big.

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4. There are several anti-theft gadgets like automatic gas cut-off system, alarm systems and stuff like that. The risk of theft is a crucial factor that influences your rate. And considering that these devices reduce the chances, you'll get a good discount if they are fitted in your car. Thieves prefer easy targets.

5. Folks who reside in crowded areas are more likely to encounter one type of car accident or another if compared to those who live in rural areas. If you can stay in a sparsely populated area you'll get the cheaper quotes since the risk of vandalism, crash or theft is very low in such places.

6. Do your utmost to always make sure your policy never lapses. Individuals who let that happen to them get more expensive rates for a long time. It's easy for this to happen to some individuals when they are switching to another insurer.

Don't terminate your previous policy until the new one is fully functional and you'll avoid this costly mistake. It appear to be simple but, take it or leave it, a lot of people are paying higher rates today just because they made this mistake.

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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? Have you removed it from your auto insurance policy?

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. I hope this is not the case with you.

8. You will save a lot if you really have between 25-30 minutes. Visit, receive and compare auto insurance quotes from selected insurance quotes sites. The cheapest offer should be your choice easily.

However, you have to go beyond just the cheapest quote to the best price/value. The lowest priced may not be the best price/value for you as an individual.

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