Cheap Car Insurance Rates -- 5 Important Issues

Everyone in their right mind would be quite happy to discover a way to enjoy lower car insurance rates as long as such a way will NOT negatively affect the level of coverage they get. Let's look at a number of sure-fire steps to achieving just that...

1. Take it upon yourself to ask your agent about all the discounts possible with with your present insurer. Your agent could, choose to not tell you about some discounts that you are eligible for. You'll lower the odds of this happening to you if you make it a point of duty to ask your agent point blank to tell you of every discount that is obtainable. You might have a really pleasant surprise!

2. Complete a defensive driving course. In addition to the fact that they will bring down your rate, they will make you a safer driver.

3. An alternative for you is to use your parents' automobile insurance policy. If you are of driving age, then your parents certainly are far above twenty five years which means they're lower risk drivers.

There are two conditions that you must fulfill to make this possible: The vehicle must be registered in your parents' name and you must live with them. If you do not like the idea of handing the car's ownership to them and other stuff that may be attached to that, then you will have to forego this alternative.

4. Don't try to give incorrect information in your bid to attract more affordable rates. Present personal details truthfully. Insurance fraud costs us all.

Furthermore, an insurer has the right to cancel your policy if you give false details. You'll then lose in a very big way. This is partly because of the added cost you'd bear if your policy lapses (which is what would happen if your insurer cancels your policy).

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 a lot of money in auto insurance if you obtain and compare auto insurance quotes from quotes sites. You'll realize savings if you visit just one of such sites. But, you'll get more by using at least five.

The plain reason for this is that you will receive many more auto insurance quotes from a wider range of insurers. This increases your chances of getting better offers.

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