Cheaper Motor Car Insurance -- Advice For Bigger Savings

Contrary to what you might be made to believe, it's quite easy to position yourself for a cheaper rate. The only things that that keep you from attracting a better rate at the moment are the right information and a commitment to use the recommendations you get -- That's all. Let us get into the tips you need to attract more affordable rates...

1. Do your best to always drive responsibly. Please, make sure you make it a personal principle to NOT drive if you even sip any alcoholic beverage.

Driving while drunk, even if mildly will make you get sky-high rates if you're fortunate or be forced to be without car insurance if you're not so lucky. Even little things like speeding tickets do add up to make you get higher rates over time. You'll do yourself a world of good if you obey all traffic laws at all times. Learn more about how auto safety affects your insurance premium.

2. You can bring down your rates by positioning yourself for a multi-vehicle discount. It It's advisable to insure all your cars with the same insurance company unless you have a better bargain for one of your cars with another insurer. Doing some shopping and then comparing with what you'll get from a multi-vehicle discount is a good way to know for sure if this is in your best interest. But however you look at it, a multi-vehicle discount is one way to get lower rates.

3. A multi-policy discount is one good way to bring down your total insurance spend. That's, for example, if you get an auto insurance policy from the very carrier that covers your home owners' insurance.

Howbeit, I must point out that you may not save as much as you could by switching. Getting quotes and comparing them with what you'll save are highly beneficial steps. Once you do this, you won't be be taking chances as you choose which to do since know definitely which brings bigger savings.

4. Policyholders who don't make claims for over three years usually attract a discount for it. But don't be taken aback if your agent tells you your auto insurance company doesn't give this discount.

If your insurance agent tells you that they do NOT give this discount let him or her know that you will go to another insurer. Take it or leave it, every insurance company likes having folks who remain claims free for these number of years and you shouldn't find it hard finding lower rates with many other insurance companies.

But more often than not a serious threat of switching from you is enough to make them shift grounds.

5. Car owners who because of their level of understanding keep either collision or comprehensive coverage types or both for an old car that is not regarded a classic are painfully paying much more than would serve any useful purpose. Your vehicle's Kelly Blue Book value at the time of making claims (and not the value of the vehicle when you bought it) is what determines what you'll get paid by your insurance provider. Therefore, you will get nothing if that book says that your car is worth nothing as at when you make a claim.

So, do the right thing and leave out these types from your policy for all old cars. You'll be saving much if you do this.

6. You will get a more affordable rate if you opt for higher deductibles. The recommended strategy is to go for the highest deductible that you can pay with relative ease.

I must remind you that going to provide this amount whenever you make a claim.

7. Drive as little as possible because it will reduce your mileage and qualify you for a low mileage discount. This surely is the way to go if you live in a city where you can use standard mass transit systems.

Another recommended alternative for those who want to cut down their mileage is joining a car pool.

8. You could save several hundreds of dollars by simply receiving and comparing quotes from about five quotes sites. And, it will require just about 25 minutes on the whole.