Very Cheap Auto Insurance - Tips That Guarantee Affordable Car Insurance Rates

Friday, March 27, 2009

Cheap Auto Insurance -- Steps To Pay Less

By Chimezirim Odimba

Do you know that you might be losing money if you have a car that you've not used for months? Do you have a car that you've just forgotten about because of the headaches it gives you or something? Are you still paying premiums on such a car because you did NOT remember to remove it from your auto insurance policy?

Simple as this looks a lot of people end up paying thousands in unnecessary premiums because they don't remember to remove such cars from their policy. If you made this kind of mistake then you can save yourself a lot of bucks by quickly removing an unused car or cars from your policy.

Belonging to an auto club could get you a discount with several insurance providers. Although you shouldn't look to attract massive discounts for this, each small discount you can get will add up to much on the long run.

Don't try to give false information in your bid to get cheaper rates. State things just the way they are. False representation is fraud and affects everyone's auto insurance rates negatively.

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. This is partly because of the added cost you'd bear if your policy lapses (which is what would happen if your insurer cancels your policy).

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. You can help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.

You'll get a No Claims bonus or discount if you do not make any claims for about four years. Those who understand how to take advantage of this often handle very minor repairs and fixes and so easily become eligible for this discount. Handling little fixes on your own will help you save more as you'll get a big discount.

Using your parents' auto insurance policy is another alternative for you an under twenty five. If you are of driving age, then your parents certainly are far above twenty five years which means they are lower risk drivers.

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 use this option. If you want to own your vehicle, then be the big boy or girl and also own the costly premiums. Sorry, you cannot have both with this alternative. However, you can still make huge savings by clicking the link at the end of this piece.

And...

You can get cheaper rates on auto insurance now by visiting not less than five quotes sites. Each site will require about 5 minutes or less to receive quotes. (Some folks give information that are not really correct about themselves. That isn't a smart move since the quotes you'll get this way won't be of any use to you).

You'll have to select the best auto insurance quote for you from the list of quotes returned. That's all there is to it. But you could easily save hundreds of dollars.

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