Very Cheap Auto Insurance - Tips That Guarantee Affordable Car Insurance Rates

Monday, August 31, 2009

Cheap Car Insurance: Guaranteed Steps


It's truly very easy for you to get adequate vehicle insurance coverage at a low price. The only things that are holding you from attracting a cheaper rate now are the right information and a resolve to use the tips you get -- Nothing more. Below are a few tips that will help you achieve this goal...

1. Car owners who due to their level of knowledge buy either collision or comprehensive coverage or the two for an old vehicle that isn't regarded a classic are clearly spending far more than would serve any useful purpose. This is because you are paid compensation based on what is referred to the Kelly Blue Book value of your vehicle as at when you file a claim. Therefore, you'll get nothing if this book shows that your vehicle isn't worth a dime at the time of a claim.

Do the smart thing and remove both of them from your car insurance policy. If you take this step you'll pay a lot less.

2. Selecting higher deductibles is a proven way to get more affordable rates. It is good advice to have a deductible that is as high as as you can make it but always within easy reach for you.

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

3. grab every opportunity to NOT drive your car as this will cut down your mileage and, by extension, your rate. This is relevant more to folks whose occupation and location make it easy for them to use standard mass transit networks.

You can equally bring down your mileage by joining a carpool.

4. You can realize savings of hundreds of dollars on your auto insurance policy by requesting for insurance quotes from quote sites. The best method is to visit not less than five sites and making sure that you input the same (correct) details.

I recommend that you use at least five quotes sites as it will make it less likely that you'll miss out better quotes not given by the other sites. This gives you a broader basis for doing more thorough comparisons thereby increasing your chances of realizing more savings.

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Sunday, August 30, 2009

Cheap Automobile Insurance Rate -- Easy But Tested Ways


1. For no reason should you allow your car insurance policy to lapse.. You'll attract very expensive rates for a considerable length of time if this happens to you albeit by mistake. Don't make this mistake if you're changing insurers since that's when this happens to a lot of people.

Don't terminate your old policy until the new one is fully operational and you'll avoid this costly mistake. Many people are paying more than they should simply because they made this mistake. Therefore, make sure you don't become one of them.

2. You'll attract cheaper rates if you opt to pay your premiums annually and not monthly. True, paying monthly might be less stressful but they are also costly.

There are transaction fees that are attached to processing a check. All through a year, your monthly checks would be processed separately since they are all separate transactions. You'll then have to pay the sum of twelve transaction fees..

that is one side of it: Insurers also incur certain admnistrative costs for your monthly payments. A good example of such is the cost associated with mailing payment notices..

These and more are then added to your rate thereby making it higher than if you paid annually.

3. Electronic Funds Transfer, known as EFT is a painless way to bring down your vehicle insurance premium. This authorizes an insurance provider to automatically withdraw your payments from your account when due. This saves your insurer in many ways such as removing the cost of mailing payment notices and the cost of processing checks. This is why this results in cheaper premium.

4. You can save a lot of dollars by visiting at least 5 quotes sites. That way, you'll increase your chances of getting the lowest auto insurance quotes available since five sites will present up to 25 quotes altogether.

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Saturday, August 29, 2009

Dirt Cheap Automobile Insurance: Four Proven Recommendations


1. A multi-vehicle discount is a proven and simple way to get cheaper vehicle insurance rates. It makes sense to insure all your cars with the same insurance company unless you have a better bargain for one of your vehicles with another insurance carrier. You can ensure you are choosing the best in your case by doing serious comparison shopping. But if you don't plan to shop around, you can rest assured that you'll still save a bit with a multi-vehicle discount.

2. A multi-policy discount is one proven option to reduce your total insurance cost. That is, for instance, if you purchase your auto insurance policy from the very insurer which underwrites your home owners' insurance.

Howbeit, you must be careful because that an insurance company gave you great rates for one policy does NOT suggest they will for another one. Getting quotes and comparing them with what you'll save are highly profitable steps. That way, you'll be able to say for sure if this would save you more.

3. Policyholders who do NOT make claims for over three years normally get a discount for this. But don't be alarmed if your agent says that your car insurance carrier does not offer this discount.

Your agent must be made to realize your dissatisfaction with their refusal to give you such a discount and don't fail to stress that you will possibly leave for a different insurance provider. Believe it or not, every insurer likes having drivers who remain claims free for this long and you shouldn't have any difficulty finding better rates with a host of other insurers.

However, oftentimes a serious threat of leaving from you is enough to force them to make an exemption.

4. You can see savings of hundreds of dollars on your auto insurance policy by obtaining insurance quotes from quote sites. The best way is to visit a minimum of five sites and making sure that you input the same (correct) information about yourself.

I advise that you visit not less than five quotes sites as that will ensure you do not miss out better quotes not presented by the other sites. This offers you a broader basis for doing more thorough comparisons thereby increasing your chances of getting more for less.

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Friday, August 28, 2009

Car Insurance -- 3 More Tested Tips


Contrary to all you might have come to expect, you don't really need to do very exceptional things in order to enjoy the most affordable auto insurance policy that gives you sufficient coverage. It's normally little things that result in massive savings. Let's examine some of them here...

1. It's cheaper to insure your car if you stay in a sparsely populated area. Sparsely populated areas attract far lower rates since they are less exposed to risks of vandalism, theft, collision and other challenges that are generally associated with urban areas.

2. You might be able to bring down your rate if you reappraise your policy from time to time. Change is constant and goes on without notice but then we mustn't still be paying for things that such changes have relieved us of. How many policyholders, for example, remember to remove their daughters from their policies immediately they get married?

The changes in your personal details could have qualified you for certain discounts. You might also have no more use for certain coverage types.

It would, as a matter of fact, do you a world of good if you go through your policy yearly. Finding albeit one thing that you no longer need on your policy and dropping it will help you save.

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

However, if you want the best value to price ratio then you would have to check the details of the cheapest offers. Different insurers may have adjustments for similar policies. It's a good idea to ask the agent what's part of the deal and what's not.

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Thursday, August 27, 2009

Car Insurance -- For Non Car Owners?


Why should anybody who doesn't own a vehicle even bother about getting a auto insurance policy? This is such a brilliant question! Having a car insurance policy despite not having a vehicle would be a wise decision in most situations to be discussed shortly.

Since you live in a city that has a mass transit network, you'll not need a personal car for your daily movements. You can visit a car rental service at any time you want to go for a picnic or vacation.

Along with renting a vehicle, you will aslo have to get a car insurance cover for the rent period. These rental service sell such car insurance policies. However, depending on how regular you have to hire a vehicle, you might be better off with a non-owner auto insurance policy.

Another reason will become apparent if you want to borrow a car. Everybody will feel more comfortable lending you their car if they know you are so thoughtful as to even get a car insurance policy. Look at it from the vehicle owner's opinion: It shows a level of responsibility. People like dealing with people who show that they are responsible.

Now, you need to know something about a non-owner car insurance policy. Your non-owner's policy cannot override the auto owners policy. However, if the car owner's policy cannot cover the damage due to its liability limit, your non-owner policy will take care of the balance. As an example...

Let's say that a damage of $27,000 is caused by you in a crash. Your non-owner's policy will not be touched if the car owner's liability limit is $30,000. However, if in the same case, the owners liability limit is $15,000, your insurance will take care of the balance.

It is very important, if you have anything to do with car insurance, that you learn how to get huge savings because of the disparity in premiums by insurance companies. This can save you many hundred dollars. Moreover, it is very ethical -- No fake deals here...

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