With the right advice you'll get more affordable rates for sufficient coverage. It is as well important that I point out that there are tips that might put you at risk even if they save you for now. Here are some sure ways to pay far less without putting yourself at risk...
1. Drivers who don't make claims for more than 3 years generally get a special discount for it. But bear in mind that not all providers present this discount.
If your agent tells you that they do NOT offer this discount indicate that you might switch to another provider. As you well know, every insurance provider likes having drivers who remain claims free for this long and you shouldn't find it hard getting better rates with a host of other insurance companies.
Almost all insurers will do everything possible to ensure they do NOT lose you and this will likely lead to a compromise on their part.
2. Take every opportunity to NOT drive your car as it will bring down your mileage and, by consequence, your rate. This relates more to people whose work and location give easy access to public mass transit systems.
Joining a carpool is also another innovative way of bringing down your mileage.
3. Are you a retired person? Then you're eligible for a retiree discount with most insurance carriers. The simple argument for this discount is that retirees generally drive less. Driving less means reduced mileage which definitely makes you a lower risk.
This savings option is certainly not one any retired person should pass on. Get to know your insurance carrier's policy on this from your insurance agent. Even if you don't refer to it as retiree discount, telling them of a dramatic decrease in mileage is necessary. Except where the change in your mileage isn't big enough, you should shop for another insurance carrier if you are NOT given a discount.
4. Features such as automatic gas cut-off, alarms and other theft-deterrent devices are recommended. They should make you eligible for a discount for the simple argument that they make it less likely that you vehicle will be stolen. Thieves prefer easy cars.
5. Folks who stay in crowded areas are more likely to have one type of car accident or another if compared to people who stay in sparsely populated areas. If you can reside in a rural area you'll be eligible for the cheaper quotes since the risk of vandalism, crash or theft is so low in such localities.
6. Do your best to always ensure your policy does NOT lapse. It will sentence you to expensive rates for a considerable length of time. This happens to some folks while they are switching to another insurance company.
One way to ensure you do NOT make this costly mistake is to maintain your old policy until you're sure the new policy is in full force. As simple as this may seem, a lot of folks are bearing the weight of exorbitant rates because of just a little negligence.
7. Do you know that you might be losing money if you have a car that you've not used for months? Do you have a car that you've just forgotten about because of the headaches it gives you or something? 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 will save a lot if you only have between 25-30 minutes. Visit, receive and compare auto insurance quotes from several insurance quotes sites. The lowest offer should be what you go for easily.
Nevertheless, you have to look beyond just the cheapest quote to the best price/value. The cheapest may not offer the best price/value for you as an individual.
