Automobile Insurance -- Seven Steps For Cheaper Rates

Anyone who makes use of proven tips will easily get cheaper rates while maintaining adequate coverage But also bear in mind that you could make savings if you get the wrong tips. The only difference is that you'd put yourself at risk. I will, however, only give tips that will help you save much while you still maintain the right coverage...

1. Policyholders who don't make claims for over three years normally get a special discount for this. A number of insurance companies may not offer this discount without some pressure.

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 insurer likes having policyholders who stay claims free for this long and you shouldn't find it hard landing better rates with many other insurance companies.

Most insurance carriers will do everything within their powers to make sure they do NOT lose you and this should draw a compromise on their part.

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2. Take every opportunity to NOT drive your car since this will bring down your mileage and, by consequence, your rate. This is particularly recommended for those of us who reside in cities with modern mass transit systems.

You can equally cut down your mileage by carpooling.

3. Retirees are given a special discount by several insurance companies. The plain argument for this discount is that retired persons normally drive less. A person's annual mileage is a big point that influences what is paid in premiums. Therefore, any event that brings down your total mileage count remarkably must cut down your rate.

The fine points for each insurance provider may be different but this is surely a good way to cut down your automobile insurance cost. You can learn more about eligibility requirements from your insurance agent. Even if you don't call it a retiree discount, telling them of a dramatic decrease in mileage is recommended. Unless the change in your mileage isn't significant, you should switch to another insurer if you are NOT given a discount.

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4. There are several anti-theft mechanisms such as alarm systems, automatic gas cut-off system and stuff like that. Considering that they lower the likelihood of your vehicle being stolen, they attract a reasonable discount. Thieves have a preference for easy cars.

5. Those who live in densely populated areas are more likely to encounter one type of vehicle accident or another when compared to those who live in sparsely populated areas. If you can make your residence in a rural area you'll get the better quotes since the risk of vandalism, crash or theft is quite low in such areas.

6. Do your utmost to always make sure your policy does NOT lapse. You'll attract very expensive rates for a long time if you let this happen albeit inadvertently. It's easy for this to happen to many individuals as they are changing to another insurer.

Don't cancel your old policy until the new one is fully functional and you'll avoid this costly mistake. As simple as this may seem, many folks are bearing the pain of exorbitant rates because of just a little negligence.

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7. Is it possible you have a car that you've not used for a long while? Do you have a broken car? Is this car still on your auto insurance policy or have you removed it?

Funny as it may seem, this is one reason some folks pay higher rates than they should. I hope this is not the case with you.

8. You can reduce your auto insurance premium by getting and comparing quotes from at least five reputable insurance quotes sites.

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