Automobile Insurance -- Seven Steps For Lower Rates

With the right tips you'll get more affordable rates for adequate coverage. Nevertheless, if you have the wrong advice, in spite of the fact that you may still make huge savings, you will do so by downgrading the quality of coverage you get. If you need advice that you can make use of to save much and at the same time maintain adequate coverage, read the following...

1. Policyholders who do NOT make claims for more than 3 years normally attract a special discount for it. But don't be surprised if your insurance agent says that your vehicle insurance carrier does not offer this discount.

If your agent says that they don't offer this discount make it clear that you'll change over to another insurance carrier. With this type of driving record finding a much cheaper rate is really very easy since claims-free policy holders are every insurer's dream.

However, more often than not the threat of switching from you is enough to force them to shift grounds.

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2. Take every opportunity to NOT drive your car since this will bring down your mileage and, by consequence, your rate. This relates more to people whose work and place of residence give easy access to modern mass transit systems.

Another great alternative for those who want to reduce their mileage is joining a car pool.

3. Are you retired? Then you should qualify for a retiree discount with several insurers. You will definitely NOT drive as often as you used to do once you retire. Driving less will lead to reduced mileage which certainly makes you a lower risk.

The details for each insurer may be different but this is surely an excellent way to reduce your car insurance rate. Do learn more about the finer points from your insurance agent. If for some reasons they do NOT have a retiree discount, don't fail to inform your agent about the change in your mileage. You are entitled to a lower rate if the decrease in your mileage is big.

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4. There are a number of anti-theft mechanisms like alarm systems, automatic gas cut-off system and more. They usually make you eligible for a discount for the simple reason that they make it less probable that you vehicle will be stolen. Cars that don't have such devices are easy targets for thieving rats.

5. It is more affordable to insure a vehicle if you live in a sparsely populated area. It is a smart move to live in a less congested area if it suits you considering that the risk of vandalism, theft or an auto accident is much lower.

6. For no reason must you allow your auto insurance policy to lapse.. You'll pay more expensive rates for a considerable length of time if you let this happen albeit mistakenly. Don't make such a mistake while switching because that's when this happens to many people.

To avoid a lapse, ensure the new policy is fully in in force before you cancel the previous one. As simple as this may seem, many people are bearing the burden of exorbitant rates because of just a little negligence.

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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? Do you have a broken car? Is this car still on your auto insurance policy or have you removed it?

Simple as this looks a lot of people end up paying thousands in unnecessary premiums because they don't remember to remove such cars from their policy. 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. Take out some time to visit not less than 5 insurance quotes sites that provide quotes on auto insurance policies. It will require not more than 25 minutes.

As you visit each site, ensure you input the same details. Doing otherwise will return misleading results. After you've obtained your auto insurance quotes, compare them to see which serves your interest best both in price and value.

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