Automobile Insurance -- 7 Tips Lower Rates

With the right advice you'll get cheaper rates for adequate coverage. Nevertheless, if you have the wrong tips, even though you may still make huge savings, you will do so by sacrificing the quality of coverage you'll enjoy. Here are some sure ways to pay far less without opting for inadequate coverage...

1. There is A type of discount referred to as "good driver discount." This for drivers who haven't made a claim for 3 years and more. Several insurers may not present this discount without some persuasion.

If your insurer is one of those who don't offer this discount tell them clearly that you will move over to another insurance carrier. With this kind of driving record finding a far lower rate is definitely very easy since claims-free policy holders are every insurance company's dream.

However, oftentimes a serious threat of leaving from you is enough to force them to shift grounds.

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2. Take every opportunity to avoid driving your vehicle because this will bring down your mileage and, by extension, your rate. This is particularly recommended for people who stay in cities with advanced mass transit systems.

Joining a carpool is equally another great way of bringing down your mileage.

3. Many insurers give a retiree discount. Retired people do NOT get to drive to work on a daily basis. This will effectively lower anybody's mileage.

The details for each insurance provider might be different but this is definitely an excellent way to lower your automobile insurance rate. Find out your insurance carrier's policy on this from your insurance agent. And, if your agent tells you they don't offer this very discount, do your best to point out the remarkable change in your mileage. You should get a a cheaper rate if the difference in mileage is considerable.

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4. There are many theft-deterrent mechanisms like automatic gas cut-off system, alarm systems and more. The risk of theft is an important parameter that influences your rate. And since these lower the odds, you'll attract a sizeable discount for them. Cars that don't have those features are preferred targets for thieves.

5. People who stay in crowded cities are more likely to have one type of auto accident or another if compared to people who stay in rural areas. If you can make your residence in a sparsely populated area you'll be eligible for the cheaper rates since the risk of vandalism, crash or theft is quite low in such places.

6. Make sure your auto insurance policy is never allowed to lapse no matter what.. People who let that happen to them attract only higher rates for a long time. This happens to many folks while they are switching to another insurance company.

One way to be certain you do NOT make this type of mistake is to let your old policy keep running until you're sure the new policy is in full force. It looks simple but, believe it or not, many people are paying higher rates today just because they overlooked this.

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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 broken car? 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 a lot if you only have between 25-30 minutes. Visit, obtain and compare auto insurance quotes from selected insurance quotes sites. The lowest offer should be what you pick easily.

However, you have to go beyond just the lowest quote to the best price to value ratio. The cheapest may not be the best price/value for you as a person.

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