Cheap Car Insurance Rates: Five Essential Facts

Everyone out there would be very happy to discover a way to enjoy lower car insurance rates provided such a way will NOT downgrade the scope of coverage they enjoy. Let's look at several time-tested ways of achieving just that...

1. Ask your agent personally about all the discounts available to you with your chosen insurance provider. There's a possibility that your agent did not remember to tell you about some. The only way to ensure this is not true in your case is by telling your agent to list out all discount that your preferred insurance carrier offers. Don't be surprised if you hear of one or two that you've never heard of.

2. There are course that are designed to improve your driving. Participate in them. In addition to the fact that they will reduce your rate, they will help keep you and others safer.

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

You have to bear in mind, though, that the vehicle must be registered in their name and you must be living with them if you want to take advantage of this option. This means that by law they own the vehicle. If the benefits of "independence" outweigh your auto insurance savings then this is definitely not alternative for you.

4. Do NOT try to enter incorrect personal details in your bid to attract lower rates. Present personal info truthfully. Insurance fraud costs us all.

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. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

Reports have it that the average American family pays about $1,500 extra premium dollars because of insurance fraud. You can save us all this extra burden by representing your details truthfully.

5. You'll save much if you will shop around and do proper comparison. The the difference in quotes received for a query could be as wide as $1,000 for a particular profile. Notwithstanding that this is a good thing, it's important that you don't get too excited yet. It's not normally that easy if you're after the best price to value ratio.

The lowest quote may not give you the best price/value. Notwithstanding that each of the quotes offered will definitely give you the same main coverage, there may be a number of differences in the details of each insurer's coverage. This makes it important that you find out if there aren't any exclusions you won't like.

Remember to treat these no-obligation quotes as their name implies. Don't feel obliged to pay until you've had all your questions answered to your satisfaction. You will be spared rude surprises later if you do this.

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