Auto Insurance -- 7 Steps For Lower Rates

Anybody who makes use of time-tested tips will easily get more affordable rates without sacrificing adequate coverage But on the other hand, if you get the wrong ones, although you may still save, it will be by sacrificing the quality of coverage you'll enjoy. If you are interested in tips that you can use to save much and at the same time enjoy adequate coverage, read the following...

1. Remaining claims-free will qualify you for a good driver discount. But remember that not all carriers present 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 insurance carrier. Take it or leave it, every insurance company likes having policyholders who stay claims free for this long and you shouldn't find it hard getting better rates with a number of other insurers.

Most insurers will do everything within their powers to make sure they do NOT lose a prized policyholder and this should result in a concession from them.

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2. Seize every opportunity to NOT drive your car as this will cut down your mileage and, by extension, your rate. This applies more to folks whose vocation and location give easy access to standard mass transit networks.

Carpooling is also another great way of bringing down your mileage.

3. Are you a retired person? Then you should qualify for a retiree discount with a good number of insurers. You'll hardly drive as frequently as you used to do the moment you are retired. Driving less will lead to lower mileage which definitely makes you a better risk.

The details for each insurance carrier may be different but this is surely a good way to cut down your vehicle insurance cost. You can find out the finer points from your agent. If for any reason they do NOT have a discount like this, don't forget to inform your agent about the change in your mileage. This should bring about cheaper rates for you.

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4. Features like automatic gas cut-off, alarms and other theft-deterrent devices are encouraged. They normally make you eligible for an anti-theft discount for the obvious reason that they make it less likely that you car will be stolen. Vehicles without those features are easy targets for car thieves.

5. It is cheaper to insure a car if you live in a rural area. It makes sense to live in a lightly populated area if it fits your circumstance because the likelihood of vandalism, theft or collision is much less.

6. For no reason should you allow your auto insurance policy to lapse.. It will sentence you to high rates for a considerable length of time. It's easy for this to happen to some individuals while they are changing to another insurer.

To avoid this, make sure that the new policy is fully in in force before you terminate the old. It looks simple but, believe it or not, many individuals are paying a lot more simply because they made this mistake.

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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 car that you've just forgotten about because of the headaches it gives you or something? Are you still paying premiums on such a car because you did NOT remember to remove it from your auto insurance policy?

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 will save much by visiting a minimum of 5 quotes sites. That way, you will increase your chances of getting the lowest auto insurance quotes available since five sites will give not less than 25 quotes altogether.

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