Cheap Car Insurance -- Tips For Huge Savings

Contrary to what you might be made to believe, it's quite easy to get an affordable rate. All you have to do to achieve this goal are pieces of information (that you'd have to implement, though). Here are a number of steps that will help you achieve this goal...

1. One easy way to make sure you get cheaper rates is by being careful every time you're behind wheels. You'll be making a wise resolution to always avoid being behind the wheels once you take alcohol.

Traffic offences that are related to having more than the allowed amount of alcohol in your blood will make you get quite astronomical rates. While alcohol-related traffic offences have very immediate and serious repercussions, speeding tickets will as well make you pay much more if they accumulate. You'll be helping yourself if you obey all traffic laws at all times.

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2. A multi-vehicle discount is a sure-fire and simple way to enjoy cheaper rates. Howbeit, there are a number of cases where you'll make more savings by insuring each car with different insurance carriers. Doing some shopping and then comparing with what you'll save with a multi-vehicle discount is a good way to be sure if this is in your best interest. Insuring more than one vehicle with the same insurance company will always give a reasonable discount.

3. Having several policies with the same insurance carrier as well draws a considerable discount. All you are expected to do to qualify for this is to purchase your auto insurance policy from the same company which is underwriting, for instance, your home owners insurance.

However, care has to be taken because the fact that an insurer offered you low rates for a policy doesn't guarantee that they will for another one. Do comparison shopping with quotes sites and also discuss with your insurance agent. You will be sure of the better choice for your profile if you do this.

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4. Drivers who don't make claims for over three years generally get a special discount for this. But take note that not all providers offer this discount.

If your agent says that they do NOT give this discount indicate that you might switch to another provider. As you well know, every insurance provider likes having folks who stay claims free for this long and you shouldn't have any difficulty getting better rates with a host of other providers.

And, believe it or not, your insurance provider is likely to have a rethink if they discover you're quite serious about leaving.

5. You're definitely paying too much if you have collision and comprehensive coverage for an old car that isn't a classic. The rationale behind this is that insurers base your compensation on what is known as the Kelly Blue Book value of your vehicle when you file claims. Therefore, you will get nothing if the book shows that your vehicle isn't worth a dime at the time of a claim.

Therefore, do the right thing and drop these coverage types from your car insurance policy for all old vehicles. If you do this you'll save a lot.

6. You'll attract a lower rate if you choose high deductibles. The best method is to choose the highest deductible that you can handle with a measure of ease.

Just remember that this is what you would have to contribute if you file a claim.

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7. Drive as little as as you can since it will bring down your mileage and make you eligible for a low mileage discount. This applies more to people whose vocation and location give easy access to standard mass transit networks.

Another great alternative for people who want to cut down their mileage is carpooling.

8. You can get cheaper rates on auto insurance now by visiting at least five insurance quotes sites. Each site will take you about 5 minutes or less to request quotes. (Some people present information that are not really true about themselves. That isn't a smart move as the quotes you'll get this way will NOT be of any use to you).

You'll simply select lowest auto insurance quote for you from the list of quotes returned. That's all there is to it. However, you could easily save hundreds of dollars.

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