Cheapest Car Insurance -- Tips To Qualify

With the right advice you'll get cheaper rates for sufficient coverage. But on the other hand, if you are given the wrong advice, even though you may still make huge savings, it will be by sacrificing the quality of coverage you get. If you are interested in advice that you can use to save much and at the same time enjoy adequate coverage, continue reading...

1. For drivers who are less than 25 years, car insurance rates can be truly expensive. However, one thing you can do to attract lower rates if you are part of this age range is maintain good grades. It's known as the good student discount.

You need to maintain a grade point not lower than B to have a good student discount. This will shave off up to five percent from your rate if you make yourself eligible. Experience has proven to insurers that what makes a student keep getting good grades is a level of responsibility which also shows while driving. Reckless students are very unlikely to keep getting good grades.

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2. Taking a drivers' refresher course can help people above 55 reduce their rates. You can cut down your monthly premium by up to 10 percent once you go through this course. Discuss with your agent about your insurer's position on this and how to go about it.

3. A good number of insurance carriers give a retiree discount. You will definitely NOT drive as much as you used to do the moment you retire. This will effectively cut down anybody's mileage.

Note that you are eligible for this discount if you are a retiree. Get your insurer's policy on this. And, if your agent tells you they do NOT offer this very discount, do your best to report the dramatic difference in your mileage. You deserve a reduction in rate if the decrease in your mileage is significant.

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4. There are several anti-theft mechanisms such as alarm systems, automatic gas cut-off system and more. They normally attract an anti-theft discount for the simple fact that they make it less probable that you car will be stolen. Thieves prefer easy cars.

5. Belonging to an auto club could attract a discount with several insurance carriers. Even if this discount is negligible it's still something.

6. Being part of associations, especially the bigger ones, will give you access to discounts on your vehicle insurance. It is a smart move for an auto insurance carrier to offer concessions to a group that has a large membership. Although you may not primarily join a group because you want a group auto insurance discount, it makes sense to take advantage of it if it's offered to any association you are part of.

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7. You can get a considerable discount if your child does not use the car for a considerable time frame because he/she is is in college. If this this is the case with your kid in college then do not forget to tell your agent about it. I must stress, though, that a number of insurance companies do not give this.

8. You can lower your auto insurance rates by asking for and comparing quotes from at least five reputable insurance quotes sites.

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