Cheaper Car Insurance -- Tips For Massive Savings

Everyone can get high value coverage without paying top price. All you need to achieve this goal are pieces of information (Put into practice). Below are several steps that will help you get to this goal...

1. Do your utmost to always drive responsibly. It's a wise decision to NOT drive at all if you've taken alcohol(even if it's simply a sip.

If you're convicted for driving under the influence (DUI) you've said good-bye to low rates for some years. While alcohol-related traffic offences have very immediate and grave repercussions, speeding tickets will also make you pay much more if they accumulate. For your safety then and more affordable rates, never violate any traffic law notwithstanding how small you think it is.

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2. A multi-vehicle discount is a proven and easy way to get more affordable rates. It It's advisable to insure all your cars with the same insurer unless you have a better rate for one of your cars with another insurer. Doing some shopping and then comparing with what you'll get from a multi-vehicle discount is an easy way to be sure if this serves your best interest. But anyway, a multi-vehicle discount is a great way to get cheaper rates.

3. Holding several policies with a specific insurance company equally attracts a considerable discount. This clearly means you should endeavor to purchase your auto insurance policy from the same insurer that handles your home owners, health or LTC insurance policies.

However, I must stress that you might NOT save as much as you could by changing to another insurer. Getting quotes and comparing them with savings you'd make are highly beneficial steps. Thereafter, you won't be guessing as you choose which to do since you know for sure which brings bigger savings.

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4. There is something referred to as "good driver discount." This for policyholders who have not made a claim for three years and more. A number of insurers don't offer this discount without some persuasion.

If your insurance agent tells you that they do NOT offer this discount let him or her know that you will switch to another insurance carrier. With this type of driving history getting a far better rate is really very easy because policy holders who stay claims free are every insurance company's dream.

Most insurers will do everything within their powers to make sure they don't lose you and this will likely result in a compromise on their part.

5. If you keep collision and/or comprehensive for an old car which is not a classic, then you are spending way more than is necessary. This is because you are paid compensation based on what is called the Kelly Blue Book value of your car as at when you make a claim. So even if you have paid your premiums faithfully for years but the Kelly Blue Book value shows your vehicle has zero value, you will get nothing from your insurance company and they will be fully protected by the law.

Therefore, do the right thing and leave out these coverage types from your policy for all old cars. If you take this step you'll make big savings.

6. Move up your deductible and you'll attract better rates. The best approach is to select the highest deductible that you can handle with a measure of ease.

Just remember that this is the amount you would have to provide if you make a claim.

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7. Drive as little as possible as it will lower your mileage and make you eligible for a low mileage discount. This is particularly recommended for those of us who stay in cities with standard mass transit networks.

Another recommended alternative for those who want to bring down their mileage is joining a car pool.

8. You will save more by visiting a minimum of five quotes sites. That way, you will be able to get the lowest auto insurance quotes possible since five sites will present not less than 25 quotes altogether.

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