Cheap Auto Insurance Quotes: 5 Essential Points

Would you like a more affordable auto insurance rate while maintaining sufficient coverage? Let's explore some proven ways of getting just that...

1. Are you aware of every discount that your insurance carrier offers? Your agent may, by commission or omission not tell you about some discounts that are available to you. The only way to ensure it's false in your case is by asking your agent to list out every discount that your insurer offers. You might get a really pleasant surprise!

2. Take part in a defensive driving class. In addition to improving your driving, such programs will qualify you for a discount with your insurer provided such a class is recognized by them.

3. An alternative for you is to use your parents' auto insurance policy. The fact that you are of driving age means that your parents are of a lower risk age bracket.

You have to bear in mind, though, that the vehicle must be registered in their name and you must be living with them if you want to use this option. This means that they legally own the vehicle. If the benefits of "independence" outweigh your car insurance savings then this is certainly not an option for you.

4. Don't try to give false details in your bid to get lower rates. Present personal details truthfully. Giving fake details is fraud and affects everyone's auto insurance rates negatively.

If you couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

Reports have it that the average American family pays about $1,500 extra premium dollars because of insurance fraud. You can help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.

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

But, you have to look beyond simply the lowest quote to the best price/value. The lowest priced may not offer the best price/value for you as a person.

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