Friday, March 27, 2009

Affordable Car Insurance Rate -- Steps To Get It

By Chimezirim Odimba

Become part of a car pool if it makes sense in your situation and you'll be eligible for a discount. The clear argument for this is that it reduces your mileage. Anything that brings down your mileage automatically affects your car insurance premium.

Under-25 drivers are give very expensive rates. However, one step you can take to enjoy lower rates if you are part of this age range is maintain good grades.

The good student discount is for students who get A's or not less than B's. This will slash off up to five percent from your rate if you make yourself eligible. Reckless under-25 drivers are very unlikely to keep getting excellent grades.

Drive carefully if you're really serious about attracting affordable car insurance rates. Please, ensure that you make it a policy to NOT drive if you even sip any alcoholic beverage.

Traffic offences that are associated to drinking invariably make you get very high rates. Even little things like speeding tickets eventually add up to make you pay higher rates over time. You'll do yourself a world of good by obeying all traffic laws always.

Having more than one policy with the same company as well attracts remarkable savings. All you need to do to become eligible is to purchase your auto insurance policy from the same insurer that is underwriting, say, your home owners' insurance.

However, I must clarify that you may not be making as much savings as you could by switching. It's worthwhile that you do extensive comparison shopping. By doing this you'll be able to determine if this will be bring more benefits.

You'll get a more affordable rate if you select high deductibles. The right approach is to go for the highest deductible that you can afford with relative ease.

Just bear in mind that this is the amount you'll have to contribute if you file a claim. So make very high but keep it within easy reach.

Finally...

You can get savings of hundreds of dollars on your auto insurance policy by requesting for insurance quotes from quote sites. The best strategy is to visit a minimum of five quotes sites and ensuring that you input the same (correct) details.

I recommend that you visit not less than five quotes sites as that will make it less likely that you'll miss out offers not presented by the other sites. This offers you a broader basis for doing more extensive comparisons thereby increasing your chances of realizing more savings.

About the Author:

No comments: