Vehicle Insurance -- 7 Tips More Affordable Rates

With the right tips you'll get more affordable rates for sufficient coverage. It's also important that I point out that there are recommendations that might put you at risk even if they save you for now. Here are some sure ways to get cheaper rates without opting for inadequate coverage...

1. Drivers who don't make claims for over 3 years normally get a discount for it. Some insurance companies don't present this without some pressure.

If your insurance carrier is one of the few who don't give this discount let them know point-blank that you will go to another insurance carrier. Take it or leave it, every insurance company likes having insureds who stay claims free for this long and you shouldn't find it hard landing lower rates with a number of other providers.

However, more often than not a serious threat of leaving from you is enough to make them make an exemption.

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2. Take every opportunity to avoid driving your vehicle since it will bring down your mileage and, by extension, your rate. This is relevant more to those whose profession and place of residence make it easy for them to use modern mass transit systems.

Carpooling is also another great way of bringing down your mileage.

3. several insurance carriers give a retiree discount. You'll definitely NOT drive as frequently as you used to do the moment you retire. A person's annual mileage is a big issue that affects what they pay in premiums. Therefore, anything that reduces your annual mileage count remarkably should reduce your rate.

The details for each insurer may be different but this is definitely a good way to cut down your vehicle insurance rate. So it's a good thing to ask your insurance agent. If for any reason they do NOT have a retiree discount, don't forget to inform your agent about the change in your mileage. This should reflect in cheaper rates for you.

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4. Features such as automatic gas cut-off, alarms and other anti-theft appliances are helpful. The chances of theft is a strong factor that goes a long way to determine your rate. And since these mechanisms lower such a risk, you'll get a sizeable discount for them. Vehicles that don't have such features are easy targets for thieving rats.

5. You'll pay a lot more on auto insurance if you live in New York City than you would if you lived in some sparsely populated area. If you can reside in a rural area you'll be eligible for the better quotes because the risk of vandalism, crash or theft is really low in such localities. The more densely populated where you live is, the less affordable your rates.

6. For no reason should you allow your policy to lapse.. It will sentence you to high premiums for a considerable length of time. Don't make room for this mistake if you're changing insurers because that's one situation where this happens to a lot of people.

One way to be certain you do NOT make this costly mistake is to maintain your old policy until you're sure the new policy is in full force. It looks simple but, believe it or not, many individuals are paying higher rates today just because they overlooked this.

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7. Do you know that you might be losing money if you have a car that you've not used for months? Is one of your cars been covered in the garage for up to six months because it's broken? Are you still paying premiums on such a car because you did NOT remember to remove it from your auto insurance policy?

Funny as it may seem, this is one reason some folks pay higher rates than they should. If you made this kind of mistake then you can save yourself a lot of bucks by quickly removing an unused car or cars from your policy.

8. Make out some time to visit not less than five insurance quotes sites that return quotes on auto insurance policies. This will require around 25 minutes.

As you visit each site, ensure you give the same information. Doing otherwise will return misleading results. When you've obtained your auto insurance quotes, compare them to see which serves your interest best in price/value.

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