Affordable Car Insurance Quote -- Steps For Massive Savings

You can enjoy high value coverage without paying top price. All you have to do to achieve this goal are pieces of information (That is, if you make use of them). Let us get into the steps you need to attract more affordable rates...

1. Drive carefully if you're really serious about attracting lower car insurance rates. Please, ensure that you make it a policy not to drive if you even sip any alcoholic beverage.

If you're convicted for driving under the influence (DUI) you've said good-bye to affordable rates for some years. And don't ignore little things like speeding tickets because they cost you far more than the fine you pay. They add up to increase your rate. Therefore, if it's a violation of traffic laws, avoid it no matter how negligible it may seem at the moment.

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2. You can lower your premium by taking advantage of a multi-vehicle discount. You can only do otherwise if the total of your rates across different insurance carriers is lower than what you'll be given with a multi-vehicle discount if you buy from one insurer. You can find out which will serve you best by simply doing a little research before taking this step. But if you don't intend to shop around, you can be sure that you'll still save considerably with a multi-vehicle discount.

3. Having several policies with one insurer also attracts a considerable discount. This simply implies you should try to buy your auto insurance policy from the same insurer that handles your home, medical or other insurance policies.

However, bear in mind that you may be better off if you purchase your various policies from various carriers who give you the cheapest rates for each policy. Getting quotes and comparing offers out there with savings you'd make are highly profitable steps. This done, you'll be be well equipped to say for sure if this would be to your advantage.

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4. Drivers who do NOT make claims for above 3 years generally attract a special discount for this. But don't be alarmed if your insurance agent says that your car insurance provider doesn't offer this discount.

If your insurance agent says that they don't offer this discount let him or her know that you will go to another insurance carrier. As you well know, every insurance company likes having policyholders who stay claims free for these number of years and you shouldn't find it hard getting better rates with many other insurance companies.

However, more often than not the threat of switching from you is enough to force them to make an exemption.

5. If you keep collision and/or comprehensive for an old vehicle that isn't a classic, then you are spending a lot more than you should. A vehicle's Kelly Blue Book value at point of filing claims (and not the price of the car when you bought it) is what affects what you'll be reimbursed by your insurer. So even if you have paid your premiums faithfully for several years but the Kelly Blue Book value says your vehicle is worth nothing, you will get a dime from your insurance provider and they'll be completely on the good side of the law.

Therefore, stop wasting your money. The moment a vehicle becomes old, leave out collision and comprehensive coverage types on it. If you take this step you'll save a lot.

6. You'll attract a more affordable rate if you opt for high deductibles. The best choice is the highest you can pay with some level of comfort.

I must emphasize that you're bound by law to provide this amount whenever you make a claim.

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7. Seize every opportunity to NOT drive your car as this will reduce your mileage and, by extension, your rate. This definitely advisable if you reside in an urban area where you have access to standard mass transit systems.

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

8. You will save a lot of money in auto insurance if you obtain and compare auto insurance quotes from insurance quotes sites. You'll realize savings if you go to just one quotes site. But, you'll get more by visiting at least five.

The straightforward reason for this is that you will obtain a greater number of auto insurance quotes from a wider range of insurers. This increases your chances of receiving better quotes.

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