Auto Insurance -- 7 Tips Lower Rates

Anyone who uses the right tips will easily get more affordable rates without sacrificing adequate coverage But also note that you could make savings if you get the wrong tips. The only difference is that you'd put yourself at risk. I will, nevertheless, only give tips that will help you save much while you still maintain sufficient coverage...

1. There is something called the "good driver discount." This for drivers who haven't made a claim for three years and above. But remember that not all insurers present this discount.

If your insurance agent tells you that they do NOT give this discount make it clear that you'll go to another provider. With this quality of driving history getting a much cheaper rate is really very easy because claims-free policy holders are every insurer's dream.

And, believe it or not, your insurance provider is likely to shift grounds if they discover you are quite serious about changing to another company.

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2. Your rate is seriously affected by your total mileage. Therefore do all you can to NOT drive your vehicle wherever you have a viable alternative. This surely is the way to go if you live in an urban area where you have access to modern mass transit systems.

You can also cut down your mileage by carpooling.

3. Retirees are offered a special discount by a good number of insurance companies. You will certainly NOT drive as often as you used to do once you retire. This will definitely lower anybody's mileage.

Remember that you qualify for this if you are retired. You can learn more about eligibility requirements from your agent. If for some reasons they don't have a retiree discount, remember to inform your insurance agent about your change in mileage. This should bring about more affordable rates for you.

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4. Mechanisms such as automatic gas cut-off, alarms and other theft-deterrent appliances are helpful. They usually attract a discount for the obvious reason that they make it less probable that you car will be stolen. Car thieves will think twice before trying to go for a vehicle with theft-deterrent features.

5. You'll pay much more on auto insurance if you live in New York City than you would if you stayed in some sparsely populated area. Rural areas get much better rates since they're less susceptible to risks of vandalism, theft, collision and such problems that are usually typical of urban areas.

6. Do your utmost to always make sure your policy never lapses. It will make you pay expensive rates for a considerable length of time. It's easy for this to happen to many people while they are switching to another insurance provider.

To avoid a lapse, ensure the new policy is fully in operational before you terminate the old. Many people are paying more than they would otherwise simply because of this mistake. So do take care so you don't become one of them.

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7. Do you have a car you've not driven in 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?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. Don't make this mistake.

8. You will save a lot if you will shop around and do thorough comparison. The the difference in quotes received per query could be as wide as $1,000 for a particular profile. Notwithstanding that this is a good thing, it's important that you don't get carried away. It's not normally that straightforward if you're after the best price/value.

The cheapest price may not offer you the best price/value. Notwithstanding that each of the quotes presented will definitely give you the same main coverage, there may be a number of differences in the details of each insurer's coverage. This makes it important that you find out if there aren't any exclusions you won't like.

Don't forget to treat these no-obligation quotes just that way. Don't feel obliged to pay unless you've had all your questions answered to your satisfaction. You will never get rude shocks later if you do this.

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