Car Insurance Quotes -- To Save Much, Try These

Would you like a lower rate that still leaves you with sufficient coverage? Here are things that will help you attract reasonable discounts with ease...

1. There are vehicles that cost a lot more to give adequate auto insurance coverage. So as you look out for the wonderful specs of the car you want to buy, don't forget to ask if it costs too much to insure. Avoid any car that has a high theft rate and/or a bad crash rating.

In addition, it will also take much more to insure a car that is more costly to repair or maintain. With such diligence you can avoid buying a vehicle that will cost you much in higher premiums over a few years.

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2. You'll get cheaper rates if your car is considered to have a higher safety rating. Select vehicles that have mechanisms that increase safety. They will qualify you for a Safe Vehicle Discount. Examples of these safety features are air bags, automatic seatbelt, ABS brakes and daytime running lights. Your agent can help you with a list of safety systems that will make you eligible for a discount with your insurer.

3. It's a known fact that young drivers attract high rates. Even in this age bracket, a 23-year old driver will pay much less than a 17 year old all other things being equal.

This means that you'll help keep your rates down if you do NOT have a teen driver on your policy. You'll be made to pay very high rates if you do otherwise. Sign an exclusion form that will allow your teen driver have his or her own policy.

It's a fair price for them to pay to enjoy the adult privilege of driving. Teens who pay for their own auto insurance are more willing to take steps to bring it down. The full implication of this is that your teen will be a lot safer as they'd do their best to avoid inflating their rates.

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4. Insurers give give customers who have remained loyal a long term discount and accident forgiveness. Some insurers will give you up to 5% in discounts once you've been with them for up to three years while others will give you such a discount only when you've stayed for up to five.

Most insurers will also not raise the rates of a long standing policy holder if they make only just one claim. Insurers offer these as incentives to keep you with them since it serves them better too. The longer you stay, the more you'll save.

Just bear in mind that some people will be better off if they switched to another insurer notwithstanding the many discounts given to long term policy holders.

If your auto insurance rate is $2,500 and you are given a five percent discount when you maintain a policy with them for about five years you'll pay $2,500 - (5% of $2,500 or $125) = $2,375.

But also bear in mind that your rates may be raised to reflect the effect of inflation. Within the course of these 3 years you would most likely get an insurance provider who'll offer you a comparable auto insurance coverage or better for less than $2,000. Then it won't be wise to stay put because you want to qualify for a discount down the road knowing that the expected discount is less than savings you'll get now if you change to another insurer.

But believe it or not, most folks can pay far less with another insurer if they'll only take the time to shop right.. You can only know if this is true for your profile if you get and evaluate quotes from many different auto insurance companies and then see where your interest is better served..

5. Defensive driving will help reduce your rates therefore complete a course on it. Apart from the fact that they will reduce your rate, they will make you a better driver.

6. Do you know that some folks are paying much more in auto insurance because of where their homes are? Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.

So check with your agent before you commit to a new home. This doesn't come readily to mind when you're shopping for a new home. Does it?

Remember, you might live in this home for up to 20 years or more. If its location makes you pay up to $200 more in premium, that will add up to $4,000 within that time frame.

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7. As an under 25, you can pay lower auto insurance premiums if you use your parents' policy. Your parents certainly belong to a better risk age bracket.

To take advantage of this though, you'll have to live with your parents and also have the car registered in their name. If you don't like the idea of giving the car's ownership to them and other stuff that may come with it, then you'll have to forget this alternative.

8. The most important step to considerable savings in auto insurance is comparison shopping -- That's if you do it well. You can get quotes that will have a difference in excess of $1,000. You could quickly save so much by simply picking the lowest quote. That should be the case if you're just after the lowest price.

Howbeit, if you're after the best price/value then you'd have to check the details of the cheapest quotes. Different insurance companies may have slight differences for similar policies. It's important that you ask the agent what's included and what's excluded.

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