Auto Insurance -- Seven Tips More Affordable Rates

Anybody who uses time-tested advice will easily get cheaper rates while maintaining adequate coverage But on the other hand, if you have the wrong tips, even though you may still save, it will be by compromising the quality of coverage you'll enjoy. Here are some proven ways to pay far less without opting for inadequate coverage...

1. There's A type of discount known as "good driver discount." It's for policyholders who haven't made a claim for three years and more. But take note that not all providers present this discount.

Your agent must be made to understand your displeasure with their refusal to offer you such a discount and don't forget to stress that you might leave for another insurer. With this quality of driving record finding a far better rate is definitely very easy since claims-free policy holders are every insurance provider's dream.

But more often than not the threat of switching from you will be enough to force them to give a concession.

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2. Your rate is seriously affected by your total mileage. So do all within your power to leave your car whenever you have a viable option. This surely makes sense if you live in a city where you can take advantage of standard mass transit systems.

Carpooling is also another smart way of bringing down your mileage.

3. Retired persons are offered a special discount by a good number of insurers. Retired people do NOT need to drive to a place of work every day. This will certainly bring down anybody's mileage.

This savings option is certainly not one any retiree should ignore. You can learn more about the finer points from your agent. And, if your he/she tells you they do NOT have this particular discount, do your utmost to show the remarkable change in your mileage. You deserve a reduction in rate if the decrease in mileage is significant.

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4. There are a number of theft-deterrent gadgets such as alarm systems, automatic gas cut-off system and so on. They should get you a discount for the obvious argument that they make it less likely that you car will be stolen. Cars without those features are easy targets for thieves.

5. People who reside in crowded cities are more likely to experience one type of car accident or another if compared to people who reside in sparsely populated areas. Sparsely populated areas get far cheaper rates since they're less exposed to risks of vandalism, theft, collision and such problems that are generally typical of urban areas.

6. Do your best to always make sure your policy does NOT lapse. Individuals who allow this to happen to them pay more expensive rates for a long time. This happens to some folks when they are switching to another insurance carrier.

A simple way to ensure you do NOT make this costly mistake is to leave your old policy intact until you've confirmed that the new one is in full force. It looks simple but, take it or leave it, many individuals are paying higher rates today just because they were negligent in this.

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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. Don't make this mistake.

8. You might save some hundreds of dollars by just getting and evaluating quotes from not less than five insurance quotes sites. And, it will take just a total of 25 minutes.

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