Cheap Car Insurance Rates -- Five Important Facts

We all want a very affordable car insurance rate if it comes with adequate coverage. But in what ways can this happen? Here are tips that will help you attract considerable discounts with ease...

1. You might not be enjoying some discounts you are eligible for with your current insurance carrier simply because you are not aware of them. Your agent could, by commission or omission overlook some discounts that are available to you. You'll know only by telling your agent that you want to know if you've been informed about every discount possible for your profile. You might be astonished at discounts you have not taken advantage of.

2. Complete a defensive driving class. In addition to making you a safer driver, such programs will make you eligible for a discount with your insurance carrier provided such a program is recognized by them.

3. Using your parents' vehicle insurance policy is a good alternative for you an under 25. The fact that you're of driving age means that your parents are of a better risk age bracket.

You have to bear in mind, though, that the car must be registered in their name and you must be living with them if you want to take advantage of this option. If you don't like the idea of giving the car's ownership to them and other stuff that may come with it, then you'll have to forego this option.

4. Make sure you do NOT enter incorrect information as you fill your forms. Giving fake details is fraud and affects everyone's auto insurance rates negatively.

If you're one such people who don't care what your actions cost the rest, then be informed that your insurance provider will cancel your policy once they discover your details are false. You'll then lose in a very big way. This is partly because of the added cost you'd bear if your policy lapses (which is what would happen if your insurer cancels your policy).

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. You can help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.

5. You might save some hundreds of dollars by just getting and evaluating quotes from at least five quotes sites. And, it will take just about 25 minutes on the whole.

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