Friday, November 20, 2009

Cheaper Motor Car Insurance -- Steps For Massive Savings


Contrary to what you might have thought, it is a lot easy to get a lower rate. All you have to do to achieve this goal are pieces of information (Put into good use). Below is a list of things that will help you achieve this goal...

1. One good way to ensure you get lower rates is by being careful every time you're behind wheels. You'll be making a smart decision to stay away from the wheels if you take alcohol.

Driving while drunk, even if slightly will make you attract exorbitant rates if you're fortunate or be made to be without car insurance if luck isn't on your side. And don't forget those speeding tickets because they cost you a lot more than what you pay as fines. They eventually raise your rate. For your safety then and more affordable rates, never violate any traffic law no matter how small you think it is.

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2. A multi-vehicle discount is a smart and simple way to get lower rates. You are only advised to do otherwise if the total of your premiums across various insurance companies is lower than what you'll get with a multi-vehicle discount if you buy from one insurance company. Doing some shopping and then comparing with what you'll save with a multi-vehicle discount is a good way to know for sure if this is in your best interest. But if you don't have plans to shop around, you can rest assured that you'll still save a bit with a multi-vehicle discount.

3. Having multiple policies with a specific insurer equally attracts a reasonable discount. All you need to do to become eligible for this is to purchase your auto insurance policy from the very carrier that is providing, say, your homeowners insurance.

However, you must be careful because that an insurer gave you cheap rates for a policy does NOT guarantee that they will for another. Comparison shop with quotes sites and then discuss with your insurance agent. This done, you will be able to determine if switching would be to your advantage.

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4. People who don't make claims for more than three years generally enjoy a special discount for it. But don't be taken aback if your agent tells you your car insurance company doesn't offer this discount.

Your agent must be made to realize your dissatisfaction with their refusal to offer you this discount and don't forget to stress that you might change over to a different insurance provider. Believe it or not, every insurer likes having folks who remain claims free for these number of years and you shouldn't have any difficulty finding lower rates with a host of other insurers.

And, believe it or not, your insurer is likely to shift grounds if they discover you're quite serious about leaving.

5. You're certainly paying too much if you have collision and comprehensive coverage for an old car that is not a classic. The rationale behind this is that insurance providers base your compensation on what is referred to as the Kelly Blue Book value of a vehicle when you file claims. So even if you have paid your premiums faithfully for years but the Kelly Blue Book value shows your car has zero value, you will get a dime from the insurance provider and they will be completely protected by the law.

Do the right thing and drop both from your auto insurance policy. Doing this will cut down your costs and not compromise you in any way.

6. Raise your deductible and you will get cheaper rates. The recommended choice is the highest you can provide with some level of comfort.

I must stress that going to contribute this much if you ever file a claim. So make it as high as you can but keep it within easy reach.

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7. Drive as little as possible since it will cut down your mileage and qualify you for a low mileage discount. This relates more to those whose occupation and location give easy access to public mass transit systems.

Another recommended alternative for those who want to bring down their mileage is carpooling.

8. You could save some hundreds of dollars by simply obtaining and comparing quotes from at least five insurance quotes sites. And, it will take you only about 25 minutes on the whole.

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