Monday, November 16, 2009
Low Cost Auto Insurance -- How To Get It
You will easily pay less for appropriate coverage if you get and make use of the right recommendations. It's also necessary that I stress that there are steps that might put you at risk even if they save you for now. If you need tips that you can use to save much and at the same time maintain adequate coverage, read the following...
1. We all know that hardly any other age range pays as much for car insurance as the under-25 age group. But for drivers who fall within this age group, getting good grades at school will help you get cheaper rates. It's known as the good student discount.
You must maintain a grade point not lower than B to enjoy a good student discount. For those who meet this eligibility requirement, you can expect discounts of about 5 percent. Experience has proven to insurance carriers that what makes a student maintain excellent grades is a level of responsibility which is also carried while driving. It's quite hard to find reckless young drivers who keep getting wonderful grades.
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2. Completing a drivers' refresher course will help drivers above 55 cut down their rates. You can lower your monthly premium by up to 10% if you pass this course. Find out from your agent about your insurance carrier's position on this and how to go about it.
3. Retirees are given a special discount by several insurance companies. You'll hardly drive as much as you used to do the moment you retire. Driving less will lead to reduced mileage which surely makes you a lower risk.
Note that you are eligible for this discount if you're a retired person. You can find out the finer points from your agent. And, if your agent says they do NOT have this particular discount, do your utmost to report the dramatic adjustment in your mileage. You deserve a reduction in rate if the difference in your mileage is big.
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4. Features such as automatic gas cut-off, alarms and other anti-theft appliances are encouraged. Since they reduce the probability of your car being stolen, they result in a considerable discount. Thieving rats have a preference for unprotected targets.
5. You will get discounts with a number of insurance providers if you're part of an auto club. Don't let the size of the discount this may offer stop you from taking advantage of it if such a club suits you.
6. Belonging to associations, moreso the big ones, will get you discounts on your vehicle insurance. It is a smart move for an automobile insurance carrier to extend concessions to an association that has a large membership. In the light of this, you'll do well to check if there are concessions for any group you're part of.
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7. Several insurance providers will hand you a discount if a child on your auto insurance policy goes to college and does not drive the vehicle within that time frame. Don't miss this if your kid is in college. Just note that not all insurers offer this discount.
8. The most important key to massive savings in auto insurance is comparison shopping -- Given that you do it correctly. You can get quotes that will have a range that exceeds $1,000. You could quickly save that much by just picking the lowest quote. That should apply if you're simply after the lowest price.
Howbeit, if you're looking for the best price/value then you'd have to look at the details of the cheapest quotes. Different insurers may have different exclusions for similar policies. It's wise to ask the agent what's included and what's excluded.
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