Automobile Insurance -- Seven Tips More Affordable Rates

With the right tips you'll get cheaper rates for adequate coverage. It's equally necessary that I point out that there are steps that might put you at risk even if they save you for now. I will, nevertheless, only give tips that will help you save much while you still keep enjoying the right coverage...

1. Staying without making claims will result in a good driver discount. But take note that not all providers offer this discount.

Your agent must be made to understand your dissatisfaction with their refusal to give you this discount and do NOT fail to point out that you may switch to another insurance provider. In fact, you should leave them because you'll certainly get a better offer somewhere else if you've kept a claims-free status for this long.

But more often than not the threat of switching from you is enough to force them to shift grounds.

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2. Your rate is seriously influenced by your annual mileage. So do all within your power to NOT drive your vehicle whenever there is a good option. This definitely advisable if you live in a city where you have access to modern mass transit networks.

Another good alternative for folks who want to bring down their mileage is carpooling.

3. Retired persons are offered a special discount by several insurance companies. You will most like NOT drive as often as you used to do once you retire. A driver's annual mileage is an important factor that affects what they pay in premiums. So anything that reduces your annual mileage count by a big margin should cut down your rate.

This discount is surely not one any retired person should overlook. Get to know your insurer's policy on this from your insurance agent. If for any reason they do NOT have a retiree discount, don't forget to tell your insurance agent about the change in your mileage. Unless the difference in your mileage isn't considerable, you should look for another insurance carrier if you don't get a decent discount.

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4. Mechanisms such as automatic gas cut-off, alarms and other anti-theft appliances are recommended. The risk of theft is a crucial parameter that goes a long way to determine your rate. And because these devices reduce the odds, you'll receive a sizeable discount if they are fitted in your car. Vehicles that don't have such features are preferred targets for thieving rats.

5. It is cheaper to insure your vehicle if you stay in a rural area. Sparsely populated areas attract far lower rates because they're less susceptible to risks of vandalism, theft, collision and others that are normally associated with highly populated areas.

6. Do your utmost to always make sure your policy does NOT lapse. You'll pay very expensive rates for a considerable length of time if you let this happen albeit by mistake. Don't make room for this mistake while changing insurers because that's when this happens to many folks.

Don't cancel your previous policy until the new one is fully in force and you'll avoid this costly mistake. Many individuals are paying more than they would otherwise just because of this mistake. Therefore, make sure you don't become one of them.

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7. Do you have a car you've not driven in months? 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?

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 will save a lot if you will shop around and do thorough comparison. The the difference in quotes presented per query could be as wide as $1,000 for a particular person. Although this is a good thing, it's crucial that you don't get too excited yet. It's not usually that straightforward if you want the best price/value.

The cheapest price may not offer you the best price/value. Notwithstanding that each of the quotes returned will certainly give you the same main coverage, there may be a lot of differences in the details of coverage. This makes it important that you find out if there aren't any exclusions that won't serve your best interest.

Remember to treat these no-obligation quotes as their name implies. Don't feel obliged to pay unless you've got all your questions answered satisfactorily. You will never get rude surprises down the road if you do this.

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