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

Wednesday, May 6, 2009

Car Insurance -- Spend Less; Get Adequate Coverage

By Chimezirim Odimba

A good number of companies offer a retiree discount. You'll hardly drive as much as you used to do once you are retired. This will effectively lower anybody's mileage.

This discount is certainly not one any retired person should overlook. You can learn more about eligibility requirements from your agent. If for any reason they don't have a discount like this, remember to tell your agent about your change in mileage. This should reflect in lower rates for you.

Take advantage of every opportunity to NOT drive your car as this will reduce your mileage and, by extension, your rate. This certainly makes sense if you live in an urban area where you have access to standard mass transit systems.

Another great option for those who want to reduce their mileage is carpooling.

Never leave your car unlocked and running while you dash in to get something. This is an open invitation to any thief sniffing around. Car thieves are known to go for easy targets. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

Do your utmost to always ensure your policy never lapses.You'll pay more expensive rates for a considerable length of time if you let this happen albeit by mistake. It's easy for this to happen to many individuals as they are switching to another insurer.

One way to be certain you do NOT make this type of mistake is to leave your old policy intact until you're sure the new one is fully in place. Many people are paying more than they should simply because of this mistake. So do take care so you don't become one of them.

Time out: To begin to save more on insurance go to Colorado car insurance rate and car insurance Bakersfield California

A simple but rewarding way of bringing down your premium is by authorizing an EFT (Electronic Funds Transfer). This process authorizes your bank to credit your insurance provider with your payments without any intervention from you until you stipulate otherwise. This saves your insurer in many ways such as removing the cost of mailing payment notices and the expense associated with processing checks. This is why this gets you cheaper rates.

Do your utmost to always drive responsibly. You'll be making a wise decision to always avoid being behind the wheels once you take alcohol.

Traffic offences that are related to having more than the allowed amount of alcohol in your system invariably make you get quite astronomical rates. Even those speeding tickets do add up to make you pay more expensive rates over time. So, if it's against traffic laws, avoid it no matter how negligible it may seem at the time.

.Do your best to install theft-deterrent devices in your car. Since they reduce the likelihood of your car being stolen they attract a reasonable discount. Cars without such devices are easy targets for thieving rats.

About the Author:

No comments: