Cheapest Car Insurance Quote -- Steps For Huge Savings

Contrary to what you might be made to believe, it is a lot easy to get an affordable rate. The two things that stand between you and getting a cheaper rate at the moment are the right information and a motivation to use the recommendations you get -- That's all. We'll now take a look at a number of proven ways to get more for a lot less...

1. Do your utmost to always drive carefully. You'll be making a good decision to stay away from the wheels once you take alcohol.

If you're convicted for driving under the influence (DUI) you'll NOT see cheap rates for some years. While alcohol-related traffic offences have very clear and grave consequences, speeding tickets will also affect your rates negatively if they pile up. For your safety then and more affordable rates, never break any traffic law notwithstanding how small you think it is.

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2. A multi-vehicle discount is a sure-fire and easy way to enjoy lower rates. Nevertheless, there are a number of cases where you'll make more savings by insuring each car with different insurance carriers. You can ensure you are making the right choice by doing extensive comparison shopping. Insuring more than one car with the same insurance company will always result in a good discount.

3. You'll equally be eligible for a considerable discount if you have multiple policies with the same provider. This simply implies you should endeavor to buy your car insurance policy from the same company that handles your home owners, health or other insurance policies.

However, I must point out that you may not be saving as much as you might by switching. It's recommended that you comparison shop. This done, you will be be well equipped to determine if switching would make you save a lot more.

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4. There is something called the "good driver discount." It is for people who have not made claims for 3 years and above. A number of insurance providers don't offer this without some coercion.

Your agent should be made to see your displeasure with their refusal to offer you this discount and do NOT forget to stress that you may leave for another insurance provider. Believe it or not, every insurance provider likes having insureds who stay claims free for this long and you shouldn't find it hard landing lower rates with a host of other providers.

However, oftentimes the threat of leaving from you is enough to force them to shift grounds.

5. Car owners who because of their level of knowledge maintain either collision or comprehensive coverage or the two for an old car that is not considered a classic are painfully spending much more than would do them any good. A vehicle's Kelly Blue Book value at point of making claims (and not the price of the vehicle when you bought it) is what controls what you'll get paid by an insurance carrier. This means that without respect to the amount you've paid and the number of years you did, you may get absolutely nothing if the book says your vehicle is not worth anything when you make a claim.

Do the smart thing and leave out both of them from your auto insurance policy. This easy tip will save you much and not put you at risk at the same time.

6. You will land a cheaper rate if you opt for higher deductibles. The recommended approach is to go for the highest deductible that you can handle with relative ease.

Just take note that this is the amount you'll have to pay for by yourself if you file a claim. So make it very high but keep it within easy reach.

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7. Your rate is seriously affected by your total mileage. Therefore do all you can to leave your vehicle whenever you have a viable option. This surely is the way to go if you reside in an urban area where you can take advantage of modern mass transit networks.

Joining a carpool is equally another great way of bringing down your mileage.

8. You will save much by visiting at least 5 quotes sites. That way, you will increase your chances of getting the lowest auto insurance quotes possible as five sites will give up to 25 quotes altogether.

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