Auto Insurance -- 7 Steps For Cheaper Rates

You'll easily spend less for the right coverage if you get and make use of the right tips. But on the other hand, if you are given the wrong tips, although you may still save, you will do so by compromising the level of coverage you'll enjoy. Here are some time-tested ways to get cheaper rates without putting yourself at risk...

1. Drivers who do NOT make claims for over 3 years generally get a discount for it. But don't be surprised if your insurance agent tells you your vehicle insurance company does not offer this discount.

Your agent must be made to see your dissatisfaction with their refusal to give you such a discount and don't fail to point out that you will possibly change over to a different insurance provider. Take it or leave it, every insurer likes having people who stay claims free for this long and you shouldn't find it hard finding cheaper rates with a host of other insurance companies.

Most insurance carriers will do everything possible to ensure they don't lose you and this should lead to a compromise on their part.

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2. Drive as little as possible since it will reduce your mileage and get you a low mileage discount. This relates more to those whose vocation and location make it easy for them to use public mass transit systems.

You can also reduce your mileage by carpooling.

3. several insurers give a retiree discount. Retired folks do NOT have to drive to a place of work on a daily basis. This will definitely lower anybody's mileage.

The fine points for each insurer may differ but this is certainly an excellent way to lower your auto insurance rate. Get to know your insurance provider's position on this from your insurance agent. Even if they don't call it a retiree discount, registering a remarkable decrease in mileage is advisable. Except where the drop in your mileage isn't big enough, you should look for another insurance provider if you don't get a discount.

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4. Features such as automatic gas cut-off, alarms and other theft-deterrent appliances are recommended. The risk of theft is an important parameter that determines your rate. And considering that these reduce such a risk, you'll get a sizeable discount for them. Thieves have a preference for easy targets.

5. It is less expensive to insure a vehicle if you reside in a rural area. If you can live in a rural area you'll be eligible for the better rates because the risk of vandalism, crash or theft is quite low in such localities. The more highly populated your city of residence is, the less affordable your rates.

6. Do your best to always ensure your policy does NOT lapse. Individuals who allow this to befall them pay higher rates for a long time. Don't allow this mistake if you're changing insurers since that's one situation where this happens to a lot of folks.

Don't terminate your previous policy until the new one is fully functional and you'll not make this costly mistake. Many individuals are paying more than they should simply because of this mistake. So do take care so you don't become one of them.

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7. Do you have a car you've not driven in months? Do you have a broken car? Have you removed it from your auto insurance policy?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. I hope this is not the case with you.

8. You'll save much if you can shop around and do proper comparison. The the difference in quotes presented for a request could be as wide as $1,000 for a particular person. Although this is a good thing, it's advisable that you don't get too excited yet. It's not normally that straightforward if you're after the best price/value.

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

Don't forget to treat these no-obligation quotes just that way. Don't feel obliged to pay unless you've had all your questions answered satisfactorily. You will prevent rude surprises later if you do this.

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