Cheap Car Insurance Rates: 5 Essential Points

Do you want a lower automobile insurance rate for the right coverage? You'll find a good number of helpful tips in this article...

1. Ask your agent personally about all the discounts possible with with your chosen insurance carrier. Your agent may, by commission or omission not tell you about some discounts that you are eligible for. You will lower the probability of this happening to you if you make it a point of duty to ask your agent point blank to tell you about every discount that is available. You might have a very pleasant surprise!

2. Take part in a defensive driving class. In addition to the fact that they will reduce your rate, they will make you a safer driver.

3. Using your parents' automobile insurance policy is an alternative for you an under 25. If you are of driving age, then your parents certainly are far above 25 years which means they are better risk drivers.

You must remember that the vehicle must be registered in their name and you must be living with them if you want to take advantage of this option. If you want to be the owner of your car, then be the big boy or girl and also own the costly premiums. Sorry, you cannot have both with this option. However, you can still make huge savings by following the link at the end of this piece.

4. Do NOT be tempted to enter false details in your bid to get cheaper rates. Present details truthfully. One of the factors that has kept rates as high as they are is insurance fraud. It's making everyone pay a lot more.

If you couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation. This could make you lose a lot more than what you thought you would save. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. You can save us all this extra burden by representing your details truthfully.

5. Visit not less than five insurance quotes sites. Using at least five quotes sites raise the chances that you would obtain more affordable auto insurance quotes. This is because insurers not covered by one site would be covered by the other.

Moreover, you know that since your chances of receiving lower auto insurance quotes has to do with the range of quotes you obtain, the more insurers you get quotes from, the higher your chances will be.

Getting your auto insurance quotes online will help you save far more if you take out around 25 minutes to ask for quotes from a minimum of five sites.

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