Vehicle Insurance -- 7 Tips Lower Rates

You'll easily spend less for appropriate coverage if you have and implement the right advice. But also note that you could save if you use the wrong tips. The only thing is that you'd put yourself at risk. I will, however, only make recommendations that will help you save much while you still keep enjoying sufficient coverage...

1. There's something known as "good driver discount." It's for drivers who haven't made claims for 3 years and above. Several insurers don't offer this without some persuasion.

If your agent says that they do NOT offer this discount indicate that you might switch to another insurer. Really, you should leave them because you'll definitely enjoy a better deal with another company if you've maintained a clean slate for this long.

But more often than not the threat of switching from you is enough to force them to make an exemption.

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2. Take every opportunity to NOT drive your vehicle because this will bring down your mileage and, by extension, your rate. This surely makes sense if you reside in an urban area where you can take advantage of modern mass transit systems.

You can also reduce your mileage by carpooling.

3. Are you a retired person? Then you can get a retiree discount with several insurance providers. The simple logic for this discount is that retirees generally drive less. A driver's annual mileage is a strong factor that affects what is paid in premiums. Therefore, any event that reduces your total mileage remarkably should lower your rate.

This discount is certainly not one any retired person should ignore. Get to know your insurance carrier's policy on this from your insurance agent. And, if your he/she tells you they don't offer this very discount, do your best to report the dramatic difference in your mileage. You deserve a lower rate if the change in your mileage is significant.

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4. .Try to fit theft-deterrent mechanisms in your car. They should attract an anti-theft discount for the obvious reason that they make it less likely that you vehicle will be stolen. Thieves have a preference for easy targets.

5. It's less expensive to insure a vehicle if you stay in a sparsely populated area. Sparsely populated areas get far better rates because they're less susceptible to risks of vandalism, theft, collision and others that are normally typical of densely populated areas.

6. Make sure your auto insurance policy is not allowed to lapse no matter what.. It will sentence you to high rates for a long time. It's easy for this to happen to some individuals while they are changing to another insurance provider.

To avoid a lapse, wait until the new policy is fully in operational before you cancel the old. As simple as this may seem, a lot of folks are bearing the pain of exorbitant rates because of just a little negligence.

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7. Is it possible you have a car that you've not used for a long while? Do you have a broken car? Have you removed it from your auto insurance policy?

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. I hope this is not the case with you.

8. You will save a lot if you only have between 25-30 minutes. Visit, get and compare auto insurance quotes from selected insurance quotes sites. The lowest quote should be what you pick easily.

But, you have to go beyond just the lowest price to the best price to value ratio. The lowest priced may not be the best price/value for you as a person.

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