Saturday, November 28, 2009

Cheap Automobile Insurance -- How To Qualify


You will easily spend less for the right coverage if you get and implement the right recommendations. However, if you have the wrong tips, although you may still make huge savings, you will do so by downgrading the level of coverage you get. Here are some time-tested ways to pay far less without opting for inadequate coverage...

1. We all know that hardly any other age group pays as much for auto insurance as drivers who are less than 25. If you belong to this age bracket you can attract more affordable rates if you maintain good grades at school.

This discount is for students who get A's or not less than B's. For those who make themselves eligible, you can get discounts of about 5 percent. Experience has proven to insurers that what makes a student keep getting good grades is a level of responsibility which also shows behind wheels. Young drivers who maintain good grades are generally considered more responsible and less prone to reckless driving.

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2. For those who are over 55 years of age, you get a discount after a drivers' refresher course. Because doing such will attract a discount as high as 10%, it is really worth giving a try. To find out extensive details of the process and how much you can save with your insurance carrier, talk with your agent.

3. Are you retired? Then you're eligible for a retiree discount with several insurance carriers. Retired folks don't need to drive to a place of work on a daily basis. Driving less will lead to lower mileage which surely makes you a lower risk.

Note that you are eligible for this if you are retired. Get to know your insurance carrier's policy on this from your insurance agent. If for some reasons they don't have a discount like this, remember to tell your agent about your change in mileage. This should bring about better rates for you.

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4. Mechanisms like automatic gas cut-off, alarms and other theft-deterrent appliances are recommended. The likelihood of theft is a strong indicator that affects your rate. And because these devices cut down such a risk, you'll receive a sizeable discount if they are fitted in your car. Thieving rats have a preference for easy targets.

5. Some insurers will give you a discount if you are part of an auto club. Even if this discount is negligible it's still something.

6. Have you checked with the associations you are part of if they've got discounts from any insurance company? It is a smart move for a vehicle insurance company to give concessions to a group that has a large membership. Even though you may not just join an association because of a group auto insurance discount, it makes sense to benefit from if it's been offered to any group you are part of.

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7. A number of insurance companies will hand you a discount if a child on your policy is away at school and does not use the vehicle at that period. Take advantage of this if your kid is away at school. While you're encouraged to make an attempt, you must bear in mind that this is not one of several usual discounts that all insurance companies give.

8. You will save much if you really have between 25-30 minutes. Visit, receive and compare auto insurance quotes from several insurance quotes sites. The lowest quote should be what you pick easily.

But, you have to go beyond simply the cheapest quote to the best price to value ratio. The cheapest may not offer the best price/value for you as an individual.

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