Low Cost Auto Insurance -- Steps To Get It

You'll easily pay less for sufficient coverage if you get and make use of the right tips. But also note that you could make savings if you use the wrong tips. The only difference is that you will be compromised in the quality of coverage you get. Here are some great ways to get cheaper rates without putting yourself at risk...

1. We all know that hardly any other age group pays as much for auto insurance as the under-25 age group. If you fall into this age range you can get lower rates if you maintain good grades at school. It's known as the good student discount.

This discount is for those who get A's or a minimum of B's. For students who meet this eligibility requirement, you can expect discounts of about 5%. Experience has proven to insurance carriers that what makes a student maintain good grades is a level of responsibility which such students also maintain while driving. Students who maintain excellent grades are generally seen as more responsible and less likely to take to reckless driving.

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2. For folks who are above 55 years of age, you can take advantage of a drivers' refresher course. You can lower your monthly premium by as much as 10% if you pass this course. Discuss with your agent about your insurer's position on this and how to go about it.

3. Are you retired? Then you can get a retiree discount with a good number of insurance companies. You will definitely NOT drive as frequently as you used to do once you retire. This will definitely bring down anybody's mileage.

The fine points for each insurer might be different but this is certainly a good way to reduce your auto insurance rate. Get your insurance carrier's policy on this from your agent. And, if your agent tells you they do NOT offer this very discount, do your best to show the remarkable adjustment in your mileage. You deserve a a cheaper rate if the drop in your mileage is big.

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4. Features such as automatic gas cut-off, alarms and other anti-theft appliances are recommended. Since they bring down the odds of your car being stolen, they result in a considerable discount. Thieving rats will think twice before attempting to steal a vehicle with theft-deterrent mechanisms.

5. Some insurers will give you a discount if you join an auto club. Don't let the size of the discount this may offer deter you from going for it if such a club suits you.

6. Belonging to associations, moreso the bigger ones, will give you access to discounts on your vehicle insurance. It makes sense for an auto insurance carrier to offer a group discount to a group that has a sizeable membership. In the light of this, you'll do well to see if there are good discounts with any association you're part of.

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7. You can get a sizeable discount if your child doesn't drive the car for a protracted length of time because he/she is away at school. If this this is the case with your child in college then don't fail to tell your agent about it. I must point out, though, that some insurance companies don't give this.

8. You can save a lot of dollars by visiting not less than 5 quotes sites. That way, you'll be able to get the lowest auto insurance quotes possible as five sites will give up to 25 quotes altogether.

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