Affordable Auto Insurance Rates -- Five Important Points

Do you want a more affordable vehicle insurance rate that still leaves you with sufficient coverage? You'll see several helpful tips in this write-up...

1. Ask your agent personally about all the discounts available to you with your preferred insurance provider. Your agent could, by commission or omission overlook some discounts that are available to you. The only way to be sure this is not true in your case is by asking your agent to list out all discount that your insurance provider offers. You might be astonished at discounts you've not benefited from.

2. Participate in a defensive driving class. In addition to the fact that they will bring down your rate, they will make you a safer driver.

3. An alternative for you is to use your parents' car insurance policy. The fact that you are of driving age means that your parents are of a better risk age bracket.

You have to bear in mind, though, that the car must be registered in their name and you must be living with them if you want to use this option. This means that they legally own the vehicle. If the benefits of "independence" outweigh your car insurance savings then this is definitely not an option for you.

4. Ensure you do NOT give false personal details when you fill your forms. Giving fake details is fraud and affects everyone's auto insurance rates negatively.

Furthermore, an insurer has the right to cancel your policy if you give false details. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

5. Make out some time to visit at least 5 insurance quotes sites that return quotes on auto insurance policies. It will require around 25 minutes.

As you visit each site, make sure you input the same information. Doing otherwise will return misleading quotes. When you've received your auto insurance quotes, compare them to determine which serves your interest best both in price and value.

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