Very Cheap Car Insurance -- 4 Sure Steps

1. A multi-vehicle discount is a proven and easy way to enjoy more affordable auto insurance rates. Howbeit, there are several cases where you'll make more savings by insuring each car with different insurers. You can be sure by first doing a little research before making this decision. But if you don't have plans to shop around, you can rest assured that you'll still save considerably with a multi-vehicle discount.

2. Holding more than one policy with one provider equally attracts a reasonable discount. That's, for example, if you buy your auto policy from the very carrier that underwrites your homeowners' insurance.

However, care has to be taken because the fact that an insurance provider offered you great rates for one policy doesn't mean that they will for another policy. Getting quotes and comparing them with savings you'd make are highly recommended steps. That way, you will be able to say for sure if switching would be to your advantage.

3. Drivers who don't make claims for over 3 years usually get a discount for it. But don't be taken aback if your insurance agent says that your auto insurance company doesn't give this discount.

If your insurance agent tells you that they do NOT give this discount let him or her know that you will go to another insurer. As you well know, every insurer likes having drivers who remain claims free for these number of years and you shouldn't find it hard getting better rates with a host of other insurance companies.

However, oftentimes the threat of switching from you will be enough to make them give a concession.

4. You will save much if you can shop around and do detailed comparison. The the difference in quotes returned for a request could be as wide as $1,000 for a particular profile. While this is a good thing, it's crucial that you don't get too excited yet. It's not usually that straightforward if you want the best price to value ratio.

The cheapest price may not offer you the best price/value. Notwithstanding that each of the quotes returned will definitely give you the same main coverage, there could be a number of differences in the details of each insurer's coverage. This makes it imperative that you find out if there aren't any exclusions that won't serve your best interest.

Remember to treat these no-obligation quotes just that way. Don't feel obliged to pay until you've got all your questions answered to your satisfaction. You will be spared rude shocks later if you do this.

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