Auto Insurance Quotes -- To Save Considerably, Try These

We all will be pleased to get a very cheap rate if it comes with enough coverage. But how can this happen? You'll be shown a good number of useful recommendations in this write-up...

1. Certain cars cost much to insure. Therefore, as you look out for the wonderful specs of the vehicle you want to buy, don't forget to find out how much it typically costs to insure. Two things that will make you pay more for auto insurance are a vehicle's crash rating and theft rate.

In addition, it will also cost you more if a car is more costly to fix or maintain. This is my personal opinion; but it does make sense to choose a comparable vehicle that is more insurance-friendly.

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2. You'll spend less on auto insurance if your vehicle is considered to have a higher safety rating. Does your car have built-in safety mechanisms? They will qualify you for a Safe Car Discount. Your insurance agent can give you a list of safety devices that will make you eligible for a discount with your insurance company.

3. It's a known fact that young drivers attract high rates. Worse still, if they are teenagers their auto insurance rates could be really high.

This means that you'll help keep your rates down if you do NOT have a teen driver on your policy. It will have an adverse effect on your rate. Sign an exclusion form that will allow your teen driver have his or her own policy.

Let your teen bear the responsibility of paying for their auto insurance. Teens who pay for their own auto insurance are more willing to take steps to bring it down. The full implication of this is that your teen will be a lot safer as they'd do their best to avoid inflating their rates.

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4. The longer you stick with the same insurer the more you stand to gain for two reasons: The long term discount and accident forgiveness. Most insurers will give you a discount of about 5% if you stay with them for up to five years (some will give you once you stay for up to three.

Most insurers will also not raise the rates of a long standing policy holder if they make only just one claim. It makes sense for the insurer as it is cheaper to give discounts to existing policy holders than to acquire new ones.

But it will only be right for me to also point out that in spite of these incentives, you might actually gain more if you switch to another insurer.

Assuming your auto insurance premium is $2,500 and you get a 5 percent discount when you maintain a policy with them for about 5 years you will pay $2,500 - (5% of $2,500 or $125) = $2,375.

However, bear in mind that your rates may be raised to reflect the effect of inflation. But if you are someone who does routine shopping for auto insurance you'll very likely get an insurer within those years of waiting who will give you a similar coverage for less. In such a case, it will be pointless to continue because you want to get a discount down the line when you can pay less immediately.

you will almost always pay less if you take the time to do extensive shopping because there are hundreds of insurers out there. You can only know if it is true in your case if you get and compare quotes from a good number of auto insurance companies to see where you'll gain more..

5. Defensive driving makes you eligible for cheaper rates so take a course on it. In addition to the fact that they will improve your driving, they will show your insurance provider that you're doing your best to make yourself a better risk.

6. Before you get carried away with the few hundreds you will save on a house, check if it will not cost you much more in auto insurance. Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.

Therefore, take your time to ask your agent what effect your new zip code would have on your rates before you make that down payment. I know: That isn't usually an issue when you're looking for a home but it's really important.

But think about it: If your new zip code adds up to $300 to your annual auto insurance rate, how much would that amount to at the end of your 30-year mortgage?

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7. As an under 25, you can pay cheaper auto insurance premiums if you use your parents' policy. The fact that you're of driving age means that your parents belong to a better risk age group.

There are two conditions that you must fulfill for this to be possible: The vehicle must be registered in your parents' name and you must live with them. If you don't like the idea of handing the car's ownership to them and other stuff that may come with it, then you will have to forget this option.

8. You can save a lot of money in auto insurance if you get and compare auto insurance quotes from insurance quotes sites. You'll make savings if you visit only one of such sites. But keep this in mind, you'll get better results by visiting at least five.

The simple logic in this is that you'll receive a greater number of auto insurance quotes from many more insurers. This increases your chances of getting better rates.

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