Automobile Insurance: 3 Tested Steps To Cheaper Rates

1. Do your best to always drive carefully. Please, make sure you make it a policy to NOT drive if you even sip any alcoholic beverage.

If you're convicted for driving under the influence (DUI) you'll NOT see low rates for a very long time. And don't forget those speeding tickets because they cost you far more than what you pay as fines. They add up to raise your rate. For your safety then and cheaper rates, never break any traffic law notwithstanding how negligible you think it is.

2. You'll lower your auto insurance premium if you have an excellent credit rating. A bad credit history will cost you in higher auto insurance rates. There are many reasons for this but this one ranks high among them: If you have a poor credit rating then it could only mean you have missed payments at some points. For some insurance carriers it shows a pattern they believe you're quite likely to repeat with them in premium defaults. This perception of high risk makes such individuals get higher rates in auto insurance and other policies.

3. You'll save a lot if you can shop around and do detailed comparison. The the difference in quotes presented for a query could be as wide as $1,000 for a given person. Although this is a good thing, it's crucial that you don't get carried away. It's not normally that easy if you're after the best price to value ratio.

The cheapest price may not represent you the best price/value. Although each of the quotes returned will definitely give you the same main coverage, there may be a lot of differences in the details of each insurer's coverage. This makes it important that you find out if there aren't any exclusions that won't serve your best interest.

Remember to treat these no-obligation quotes as their name implies. Don't feel obliged to pay unless you've got all your questions answered to your satisfaction. You will prevent rude shocks down the road if you do this.