Auto Insurance -- Seven Tips Cheaper Rates

With the right advice you'll get cheaper rates for sufficient coverage. It is as well important that I stress that there are tips that might put you at risk even if they help you make savings at the moment. Here are some time-tested ways to get cheaper rates without opting for inadequate coverage...

1. Staying without making claims will result in a good driver discount. Some insurance companies may not give this discount without some persuasion.

Your agent should be made to understand your dissatisfaction with their refusal to offer you such a discount and do NOT fail to stress that you might switch to a different insurer. As you well know, every insurance company likes having folks who stay claims free for these number of years and you shouldn't have any difficulty getting cheaper rates with many other insurance companies.

However, oftentimes a serious threat of leaving from you will be enough to force them to shift grounds.

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2. Drive as little as as you can as it will reduce your mileage and qualify you for a low mileage discount. This is especially true for those of us who stay in cities with standard mass transit networks.

You can equally cut down your mileage by joining a carpool.

3. Retired persons are offered a special discount by several insurers. The obvious logic for this discount is that retirees generally drive less. A driver's total mileage is a strong point which influences how much they pay in premiums. Therefore, anything that lowers your annual mileage count remarkably must lower your rate.

This discount is certainly not one any retiree should overlook. So it's a good thing to ask your insurance agent. And, if your agent tells you they do NOT have this very discount, do your best to show the remarkable adjustment in your mileage. You deserve a a cheaper rate if the drop in mileage is big.

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4. There are many theft-deterrent devices such as alarm systems, automatic gas cut-off system and more. The likelihood of theft is a strong indicator that affects your rate. And because these lower the probability, you'll receive a sizeable discount if they are fitted in your car. Vehicles that don't have such features are preferred targets for thieving rats.

5. You will spend far more on auto insurance if you stay in New York City than you would if you resided in some rural area. If you can make your residence in a sparsely populated area you'll be eligible for the cheaper quotes because the risk of vandalism, crash or theft is very low in such localities. The more highly populated your city of residence is, the more expensive your rates.

6. Do your best to always ensure your policy does NOT lapse. You'll get more expensive rates for a considerable length of time if this happens to you albeit inadvertently. This happens to many folks when they are changing over to another insurance carrier.

Don't terminate your previous policy until the new one is fully in force and you'll not make this costly mistake. Many individuals are paying more than they would otherwise just because they made this mistake. Therefore, make sure you don't become one of them.

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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?

Funny as it may seem, this is one reason some folks pay higher rates than they should. I hope this is not the case with you.

8. You will save a lot of dollars by visiting a minimum of 5 quotes sites. If you do this, you will make it most likely that you'll get all the lowest auto insurance quotes possible since five sites will give not less than 25 quotes altogether.