Affordable Car Insurance -- Steps For Huge Savings

Contrary to what you might have thought, it's quite easy to position yourself for a cheaper rate. The two things that that keep you from getting a more affordable rate now are the right information and a commitment to use the information you get -- Period. Following are a number of steps that will help you reach this goal...

1. One easy way to ensure you get lower rates is by being careful always while driving. It's a good idea to NOT drive at all if you have taken alcohol(even if it's only a sip.

If you're convicted for driving under the influence (DUI) you'll NOT see affordable rates for a very long time. While alcohol-related traffic offences have very immediate and grave consequences, speeding tickets will also affect your rates negatively if they pile up. You'll do yourself a world of good if you obey all traffic laws at all times.

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2. A multi-vehicle discount is a smart and simple way to get more affordable rates. It It's advisable to insure all your cars with the same insurance company unless you have a better deal for a number of your cars with another insurer. Doing some shopping and then checking with what you'll get from a multi-vehicle discount is an easy way to know for sure if this serves your best interest. But anyway, a multi-vehicle discount is a great way to get more affordable rates.

3. Holding several policies with one insurance carrier also gets you a reasonable discount. All you are expected to do to qualify for this discount is to purchase your auto policy from the same insurer that is handling, for example, your home owners insurance.

Howbeit, I must point out that you may NOT save as much as you might by changing to another insurer. Shopping around for quotes and comparing them with savings you'd make are very profitable steps. Thereafter, you'll not be be taking chances as you make your choice because you know for sure which saves you more.

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4. Remaining without making claims will qualify you for a good driver discount. But take note that not all carriers present this discount.

If your agent says that they do NOT offer this discount let him or her know that you will switch to another provider. Take it or leave it, every insurance provider likes having policyholders who remain claims free for this long and you shouldn't have any difficulty landing lower rates with a host of other insurance companies.

But more often than not a serious threat of leaving from you will be enough to make them give a concession.

5. If you maintain collision and/or comprehensive for an old car which is not a classic, then you are spending way more than is necessary. This is because you're paid compensation based on what is referred to the Kelly Blue Book value of your vehicle as at when you make a claim. This means that not minding how much you paid and the length of time you did, you will get NOT a dime if this book says your car is worth nothing when you file a claim.

Do the smart thing and cut out both from your auto insurance policy. You will be saving much that way.

6. You'll attract a more affordable rate if you opt for high deductibles. The right option is the highest you can pay easily.

Your insurance carrier you to contribute this amount. Therefore make it very high but ensure it's within easy reach.

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7. Your rate is seriously affected by your annual mileage. Therefore do all you can to NOT drive your car wherever you have a viable alternative. This relates more to those whose vocation and place of residence give easy access to standard mass transit systems.

Another great option for people who want to reduce their mileage is carpooling.

8. You will save much money in auto insurance if you obtain and compare auto insurance quotes from quotes sites. You will realize savings if you go to only one quotes site. However, you will get more by using at least five.

The simple reason for this is that you will obtain a greater number of auto insurance quotes from many more insurance companies. This increases your chances of receiving better quotes.