Auto Insurance -- 3 Guaranteed Steps To Cheaper Rates

1. Do your utmost to always drive carefully. You'll be making a smart decision to always avoid being behind the wheels once you take alcohol.

If you're convicted for driving under the influence (DUI) you've said good-bye to affordable rates for some years. While alcohol-related traffic offences have very immediate and serious repercussions, speeding tickets will as well make you pay much more if they become frequent. For your safety then and more affordable rates, never break any traffic law notwithstanding how minor you think it is.

2. You'll reduce your auto insurance rate if you have an excellent credit rating. A bad credit record will attract higher auto insurance rates. The plain reason for this is that there's a general consensus among most insurers that there is a link between poor credit rating and high risks. The truth is that they believe that the likelihood of you missing payments of your premiums is very high. Once you are noted as bad risk you will attract more expensive auto insurance premiums.

3. The most vital step to considerable savings in auto insurance is comparison shopping -- Provided that you do it right. You can get quotes that will have a difference in excess of $1,000. You could quickly save so much by simply picking the lowest quote. That should be the case if you're just after the lowest price.

Nevertheless, if you're after the best value to price ratio then you'd have to check the details of the cheapest offers. Different insurance companies may have adjustments for similar policies. It's a good idea to ask the agent what's included and what's excluded.