Auto Insurance -- 7 Steps For Cheap Rates

With the right advice you'll get cheaper rates for adequate coverage. It is also important that I stress that there are recommendations that might put you at risk even if they help you make savings for now. If you need advice that you can use to save much and still maintain adequate coverage, read the following...

1. People who don't make claims for above three years normally enjoy a discount for this. Several insurance companies may not offer this without some coercion.

If your insurance provider is one of those who don't offer this discount tell them clearly that you will move over to another provider. Believe it or not, every insurer likes having drivers who stay claims free for this long and you shouldn't find it hard landing lower rates with a host of other providers.

And, as a matter of fact, your insurance provider is likely to shift grounds if they discover you're very serious about leaving.

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2. Your rate is seriously influenced by your annual mileage. Therefore do all within your power to leave your car whenever you have a viable alternative. This surely makes sense if you live in an urban area where you can take advantage of standard mass transit networks.

You can equally reduce your mileage by carpooling.

3. Retired persons are given a special discount by many insurance companies. The obvious logic for this discount is that retired persons generally drive less. This will definitely cut down anybody's mileage.

This discount is certainly not one any retiree should overlook. So it is important to discuss this with your insurance agent. And, if your agent tells you they don't offer this particular discount, do your utmost to report the dramatic adjustment in your mileage. Unless the reduction in your mileage isn't significant, you should switch to another insurer if you don't get a discount.

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4. .Do your best to have theft-deterrent devices in your car. The likelihood of theft is an important factor that goes a long way to determine your rate. And because these mechanisms reduce the chances, you'll attract a sizeable discount for them. Car thieves will think twice before attempting to steal a car with anti-theft features.

5. Those who live in crowded areas are more likely to encounter one type of car accident or another if compared to people who stay in sparsely populated areas. It is advisable to live in a less congested area if it suits you since the risk of vandalism, theft or an auto accident is far less.

6. For no reason must you allow your auto insurance policy to lapse.. Individuals who let that befall them attract only more expensive rates for a long time. Don't make room for this mistake while changing insurers since that's when this happens to a lot of people.

Don't terminate your old policy until the new one is fully in force and you'll not make this costly mistake. 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? Have you removed 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. I hope this is not the case with you.

8. You could save some hundreds of dollars by simply receiving and comparing quotes from not less than five quotes sites. And, it will take you only about 25 minutes on the whole.

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