The longer you stick with the same insurer the more you stand to gain for two reasons: The long term discount and accident forgiveness. Some insurers will give you up to 5% in discounts once you've been with them for up to three years while others will give you such a discount only when you've stayed for up to five.
Furthermore, if a long term policy holder files just one claim, most insurers will NOT raise their rates thereafter. These are all incentives for you to stay with them for as long as possible.
However, what you may save by switching to another insurer might far outweigh all the incentives you'll get depending on what your rates are and how much another insurer is ready to offer.
You'll help reduce your rates if you always ensure you park your car in a safe place. This means that you have to do all within your power to NOT park your car in a red light district. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.
Also make sure that your car is always parked in a well-lit area.
Have you checked with the associations you belong to if they have discounts from any insurer? Insurers give these associations group discounts in the hope that they will in that one move attract many of their members to buy an auto insurance policy with them. Bearing this in mind, you'll do well to see if there are good discounts with any association you're part of.
Do your best to always drive carefully. You'll be making a good decision to stay away from the wheels if you take alcohol.
If you're convicted for driving under the influence (DUI) you'll NOT see anything but high rates for a very long time. While alcohol-related traffic offences have very clear and grave consequences, speeding tickets will also make you pay much more if they become frequent. Therefore, if it's breaking traffic laws, avoid it no matter how negligible it may appear to be at the moment.
Unless you live in the suburbs, always take advantage of the mass transit. This simple action will help you reduce your mileage. And since mileage is a strong factor that determines your premium, you'll attract more affordable rates. Therefore, don't use your car whenever it makes sense to do so.
And...
You will save much by visiting at least five quotes sites. If you do this, you'll make it most likely that you'll get all the lowest quotes possible as five sites will return not less than 25 quotes altogether.
Furthermore, if a long term policy holder files just one claim, most insurers will NOT raise their rates thereafter. These are all incentives for you to stay with them for as long as possible.
However, what you may save by switching to another insurer might far outweigh all the incentives you'll get depending on what your rates are and how much another insurer is ready to offer.
You'll help reduce your rates if you always ensure you park your car in a safe place. This means that you have to do all within your power to NOT park your car in a red light district. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.
Also make sure that your car is always parked in a well-lit area.
Have you checked with the associations you belong to if they have discounts from any insurer? Insurers give these associations group discounts in the hope that they will in that one move attract many of their members to buy an auto insurance policy with them. Bearing this in mind, you'll do well to see if there are good discounts with any association you're part of.
Do your best to always drive carefully. You'll be making a good decision to stay away from the wheels if you take alcohol.
If you're convicted for driving under the influence (DUI) you'll NOT see anything but high rates for a very long time. While alcohol-related traffic offences have very clear and grave consequences, speeding tickets will also make you pay much more if they become frequent. Therefore, if it's breaking traffic laws, avoid it no matter how negligible it may appear to be at the moment.
Unless you live in the suburbs, always take advantage of the mass transit. This simple action will help you reduce your mileage. And since mileage is a strong factor that determines your premium, you'll attract more affordable rates. Therefore, don't use your car whenever it makes sense to do so.
And...
You will save much by visiting at least five quotes sites. If you do this, you'll make it most likely that you'll get all the lowest quotes possible as five sites will return not less than 25 quotes altogether.
About the Author:
Get more tips at Really Cheap Auto Insurance and Cheap California Auto Insurance. Chimezirim Odimba writes on insurance.
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