Cheaper Automobile Insurance -- Four Tested Recommendations

1. A multi-vehicle discount is a proven and simple way to enjoy cheaper automobile insurance rates. However, there are some cases where you'll make more savings by insuring each car with different insurance carriers. You can find out which will serve you best by simply doing a little research before making this decision. Insuring more than one vehicle with the same insurer will always result in a decent discount.

2. A multi-policy discount is one proven way to lower your overall insurance spend. That's, for example, if you buy your auto policy from the very provider that caters for your homeowners' insurance.

However, bear in mind that you may be better served if you get your different policies from various insurers who have the cheapest quotes for each policy. Shopping around for quotes and comparing them with savings you'd make are highly beneficial steps. Once you do this, you won't be be taking chances as you choose which to do since you're positive about which brings bigger savings.

3. People who don't make claims for over 3 years usually enjoy a discount for this. But take note that not all providers give this discount.

Your agent should be made to see your dissatisfaction with their refusal to offer you such a discount and do NOT forget to point out that you may change over to a different insurance provider. In fact, you should leave them because you will almost always get a better deal with another company if you've maintained a claims-free status for this length of time.

However, more often than not a serious threat of switching from you will be enough to force them to give a concession.

4. You can bring down your auto insurance premium by asking for and comparing quotes from at least five reputable insurance quotes sites.

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