Cheap Auto Insurance: Time-Tested Steps

1. A vehicle with a higher safety rating will attract cheaper vehicle insurance rates than another with a lower rating all other things being the same. Does your vehicle have built-in safety mechanisms? Such features get you a reasonable discount.

2. You should qualify for a discount if you are a member of a car pool. Carpooling helps you lower your mileage which is an important factor in calculating your premium. And, the lower your mileage, the less a risk you are to your carrier.

3. The most important route to considerable savings in auto insurance is comparison shopping -- That's if you do it well. You can get quotes that will have a difference that exceeds $1,000. You could easily save that much by simply choosing 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 check the details of the cheapest quotes. Different insurance companies may have different exclusions for similar policies. It's a good idea to ask the agent what's included and what's excluded.

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