Dirt Cheap Auto Insurance: Tips For Special Age Brackets

1. We all know that hardly any other age bracket pays as much for vehicle insurance as drivers who are less than 25. However, one thing you can do to get more affordable rates if you fall into this age range is keep getting good grades.

You have to have a grade point not lower than B to have this good student discount. This attracts a discount of about five percent. Young drivers who maintain excellent grades are usually considered more responsible and less prone to recklessness behind wheels.

2. If you are a senior citizen you can cut down your rate if you completed courses meant for elderly drivers. You can save on your monthly premium by as much as 10 percent the moment you pass this course. You can get more information on this from your insurance agent.

3. A good number of insurers give a retiree discount. Retired folks don't need to drive to a place of work every day. Driving less means lower mileage which certainly makes you a lower risk.

The fine points for each insurance company may be different but this is certainly an excellent way to reduce your car insurance rate. Get your insurance provider's policy on this from your insurance agent. Even if they don't call it a retiree discount, reporting a considerable drop in mileage is necessary. You should get a reduction in rate if the drop in your mileage is significant.

4. The most vital route to reasonable savings in auto insurance is comparison shopping -- Provided that you do it right. You can get quotes that will have a range that exceeds $1,000. You could easily save so much by simply going with the lowest quote. That should be the case if you're simply after the lowest price.

However, if you're after the best value to price ratio then you'd have to look at the details of the cheapest quotes. Different insurers may have adjustments for similar policies. It's a good idea to ask the agent what's part of the deal and what's not.

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