Very Cheap Auto Insurance -Tips That Guarantee Affordable Car Insurance Rates (Video)

Friday, March 27, 2009

Cheap Auto Insurance Rate -- How To Get It

By Chimezirim Odimba

You will be eligible for a price cut if you belong to a car pool. The simple argument for this is that it reduces your mileage. And, the less your mileage, the less a risk you are to an insurer.

We all know that no age bracket pays as much for auto insurance as those who are below 25 years of age. But for drivers who find themselves within this age bracket, getting good grades at school will help you get cheaper rates. It's known as the good student discount.

The good student discount is for those who get A's or not less than B's. This will shave off as much as 5 percent from your rate once you make yourself eligible. This discount is given because insurance providers claim there is a correlation between good grades and a young driver's behavior behind wheels. Students with good grades are usually considered more responsible and less prone to recklessness behind wheels.

One easy way to ensure you pay less is being careful every time you're behind wheels. You'll be making a wise decision to always avoid being behind the wheels once you take alcohol.

Traffic offences that have to do with having more than the allowed level of alcohol in your system invariably make you pay very high rates. While alcohol-related traffic offences have very immediate and grave repercussions, speeding tickets will as well affect your rates negatively if they pile up. You'll do yourself a world of good by obeying all traffic laws at all times.

Having multiple policies with the same provider also attracts remarkable savings. All you need to do to become eligible is to buy your auto insurance policy from the same insurance carrier who is providing, say, your home owners' insurance.

Nevertheless, I must point out that you may not be making as much savings as you could by switching. Do some comparison shopping with quotes sites and then speak with your agent. Thereafter, you'll be definite as you make your choice because you know for sure which is more beneficial.

You'll get a more affordable rate if you select high deductibles. The right approach is to go for the highest deductible that you can afford with relative ease.

Just bear in mind that this is the amount you'll have to contribute if you file a claim.

Finally...

You can get lower quotes on auto insurance now by visiting a minimum of five insurance quotes sites. Each site will require around 5 minutes or less to obtain quotes. (Some people present details that is not really correct about themselves. That is NOT wise as the quotes you'll get this way won't do you any good).

You'll have to choose the best auto insurance quote for you from the list of quotes you've obtained. That's all there is to it. However, you could make savings hundreds of dollars.

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