Automobile Insurance -- Seven Steps For More Affordable Rates

Anyone who makes use of the right tips will easily attract cheaper rates while maintaining adequate coverage It's as well necessary that I stress that there are recommendations that might put you at risk even if they save you at the moment. Here are some great ways to pay far less without putting yourself at risk...

1. There's something called the "good driver discount." This for people who have not made claims for three years and above. But don't be alarmed if your insurance agent tells you your auto insurance carrier doesn't give this discount.

If your insurance carrier is one of those who don't give this discount let them know point-blank that you will go to another insurer. In fact, you should leave them because you'll definitely get a better offer somewhere else if you've kept a clean slate for this long.

Almost all insurance carriers will do everything possible to ensure they don't lose a prized policyholder and this will likely result in a compromise on their part.

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2. Take every opportunity to NOT drive your vehicle since this will cut down your mileage and, by consequence, your rate. This relates more to people whose profession and place of residence make it easy for them to use public mass transit networks.

Another great option for people who want to reduce their mileage is carpooling.

3. Many insurers offer a retiree discount. You will hardly drive as much as you used to do once you retire. Driving less means reduced mileage which certainly makes you a lower risk.

Don't forget that you qualify for this if you are a retired person. Find out your insurance provider's policy on this from your agent. If for some reasons they don't have a retiree discount, don't fail to inform your insurance agent about your change in mileage. You deserve a reduction in rate if the drop in mileage is significant.

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4. There are many anti-theft mechanisms such as automatic gas cut-off system, alarm systems and so on. The likelihood of theft is a strong parameter that influences your rate. And since these mechanisms cut down the odds, you'll get a sizeable discount for them. Thieves will think twice before attempting to steal a car with theft-deterrent features.

5. People who stay in densely populated cities are more likely to experience one kind of auto accident or another when compared to people who reside in sparsely populated areas. If you can stay in a sparsely populated area you'll attract the better quotes since the risk of vandalism, crash or theft is very low in such areas. The more densely populated where you live is, the more expensive your rates.

6. Do your best to always make sure your policy never lapses. You'll get more expensive rates for a long time if this happens to you albeit mistakenly. Don't make this mistake while changing insurers because that's when this happens to many people.

Don't cancel your previous policy until the new one is fully functional and you'll avoid this costly mistake. It looks simple but, believe it or not, a lot of people are paying higher rates today simply because they made this mistake.

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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? Are you still paying premiums on such a car because you did NOT remember to remove it from your auto insurance policy?

Funny as it may seem, this is one reason some folks pay higher rates than they should. Don't make this mistake.

8. The most important route to huge savings in auto insurance is comparison shopping -- Provided that you do it well. You can get quotes that will have a range in excess of $1,000. You could easily save that much by just going with the lowest quote. This should be the case if you're simply after the lowest price.

Howbeit, if you want the best value to price ratio then you'd have to look at the details of the cheapest offers. Different insurers may have different exclusions for similar policies. It's important that you ask the agent what's included and what's excluded.

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