Cheap Auto Insurance -- Guaranteed Ways

Everyone can enjoy high value auto insurance coverage without breaking the bank. The two things that stand between you and attracting a more affordable rate at the moment are the right information and a commitment to make use of the recommendations you get -- Nothing more. Let us now look at several sure-fire ways to get better rates...

1. If you have collision and/or comprehensive for an old vehicle that isn't a classic, then you're spending way more than would do you any good. Your car's Kelly Blue Book value at point of filing claims (and not the cost of the vehicle when you bought it) is what determines what you will get paid by your insurance provider. So even if you have paid your premiums without default for years but the Kelly Blue Book value shows your car is worth nothing, you will get nothing from your insurance company and they'll be fully covered by the law.

Therefore, stop frittering away your hard-earned cash. The moment your car gets old, cut out collision and comprehensive coverage on it. You will be saving much if you do this.

2. You'll get a more affordable rate if you select high deductibles. The recommended strategy is to opt for the highest deductible that you can afford with relative ease.

I must stress that you're bound by law to provide this amount if you ever make a claim. So make it as high as you can but ensure it's within easy reach.

3. Take every opportunity to NOT drive your vehicle since this will bring down your mileage and, by consequence, your rate. This surely advisable if you live in an urban area where you have access to modern mass transit systems.

Joining a carpool is also another innovative way of bringing down your mileage.

4. You will save much if you only have between 25-30 minutes. Visit, obtain and compare auto insurance quotes from selected insurance quotes sites. The cheapest quote should be what you go for easily.

However, you have to look beyond just the cheapest quote to the best price to value ratio. The lowest priced may not offer the best price/value for you as a person.

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