Wednesday, November 18, 2009
Automobile Insurance -- 7 Steps For Lower Rates
You will easily pay less for sufficient coverage if you get and make use of the right recommendations. Nevertheless, if you have the wrong ones, although you may still save, it will be by downgrading the quality of coverage you'll enjoy. If you need advice that you can make use of to save much and at the same time enjoy adequate coverage, continue reading...
1. People who don't make claims for above 3 years generally enjoy a special discount for this. Several insurers do NOT offer this without some persuasion.
If your insurance carrier is one of those who don't offer this discount tell them without mincing words that you'll switch to another provider. Really, you should leave them because you'll definitely enjoy a better offer with another company if you've maintained a claims-free status for this long.
However, more often than not the threat of switching from you will be enough to force them to give a concession.
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2. Take every opportunity to avoid driving your vehicle as it will bring down your mileage and, by consequence, your rate. This relates more to those whose work and place of residence give easy access to modern mass transit systems.
Another recommended alternative for people who want to cut down their mileage is carpooling.
3. Are you retired? Then you can get a retiree discount with several insurance companies. You'll most like NOT drive as often as you used to do if you are retired. Driving less will lead to lower mileage which surely makes you a lower risk.
Remember that you are eligible for this if you're a retiree. Do learn more about details from your insurance agent. Even if you don't refer to it as retiree discount, telling them of a considerable drop in mileage is necessary. This should bring about more affordable rates for you.
Affordable Auto Insurance
4. There are many anti-theft gadgets such as alarm systems, automatic gas cut-off system and stuff like that. The likelihood of theft is a strong parameter that determines your rate. And considering that these devices cut down the probability, you'll receive a sizeable discount for them. Cars that don't have such features are preferred targets for car thieves.
5. You'll spend much more on car insurance if you live in Los Angeles than you would if you resided in some sparsely populated town. If you can stay in a sparsely populated area you will attract the better rates because the risk of vandalism, crash or theft is very low in such localities.
6. Make sure your auto insurance policy is never allowed to lapse no matter what.. Folks who let that befall them attract only higher rates for a long time. It's easy for this to happen to many folks while they are switching to another insurance provider.
Don't cancel your previous policy until the new one is fully in force and you'll not make this costly mistake. Many people are paying more than they should simply because of this mistake. So do take care so you don't become one of them.
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7. Is it possible you have a car that you've not used for a long while? Do you have a broken car? Have you removed it from your auto insurance policy?
Simple as this looks a lot of people end up paying thousands in unnecessary premiums because they don't remember to remove such cars from their policy. If you made this kind of mistake then you can save yourself a lot of bucks by quickly removing an unused car or cars from your policy.
8. You can see savings of hundreds of dollars on your auto insurance policy by requesting for insurance quotes from quote sites. The best strategy is to visit at least five quotes sites and ensuring that you give the same (correct) details.
I advise that you use a minimum of five quotes sites since it will make it less likely that you'll miss out offers not given by the other sites. This provides you a broader basis for doing more extensive comparisons thus increasing your chances of getting more for less.
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