Auto Insurance Quotes -- To Save Much, Apply These

We all want a very cheap rate provided it comes with enough coverage. But how can this be achieved? You'll see a good number of helpful suggestions in this write-up...

1. The difference in what it will cost you to insure similar cars could be very huge. So have this at the back of your mind when you go to shop for your next car. Don't buy a car that has a high theft rate and/or a poor crash rating.

Furthermore, it will also take much more to insure a car that is more costly to repair or maintain. Asking the right questions will help you avoid expensive-to-insure cars and enjoy cheaper rates.

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2. A vehicle with a high safety rating will get you lower rates than another with a poor rating all other things being equal. Safety ratings should be given top consideration when buying a new vehicle. Such systems attract a big discount. Examples of these safety mechanisms are air bags, automatic seatbelt, ABS brakes and daytime running lights. To get more details on this and how much you can save by having them, discuss with your insurance agent.

3. Young drivers are statistically very bad risks. Worse still, if they are teenagers their auto insurance rates could be really high.

This means that you'll help keep your rates down if you do NOT have a teen driver on your policy. It will drive it up by a huge margin. You can discuss with your agent about signing an exclusion form so that your teen driver can have his/her own auto policy.

It's a fair price for them to pay to enjoy the adult privilege of driving. Teens who pay for their own auto insurance are more willing to take steps to bring it down. Your teen will also be safer as the steps that will bring down his/her rates will make her a more responsible behind wheels.

Affordable Auto Insurance

4. You'll save by being loyal to an insurer due to the long term discount and accident forgiveness which they give to long-standing policy holders. Depending on the insurer, you'll be eligible for a discount of 5% once you've stayed with them for between three and five years.

Furthermore, if a long term policy holder files just one claim, most insurers will NOT raise their rates thereafter. Insurers offer these as incentives to keep you with them since it serves them better too.

But it will only be right for me to also point out that in spite of these incentives, you might actually gain more if you switch to another insurer.

If your auto insurance rate is $2,500 and you get a 5 percent discount when you maintain a policy with them for about five years you will pay $2,500 - (5% of $2,500 or $125) = $2,375.

But we can almost say with some confidence that because of inflation your premium might not remain the same. But if you are someone who does regular shopping for auto insurance you'll almost always get an insurer within those years of waiting who'll give you comparable coverage for less. In this regard, it is of no value to stay put because you are after a discount years later when you can get cheaper rates at the moment.

you will most likely pay less if you make out time to do extensive shopping since there are hundreds of insurers out there. You can only be sure if this is true in your case after you get and evaluate quotes from many different auto insurance carriers and then see where you'll gain more..

5. Defensive driving will help reduce your rates therefore get trained in it. Apart from the fact that they will improve your driving skills, they'll show your insurer that you're doing your best to make yourself a better risk.

6. It's easy to save a few hundred dollars on a home but lose thousands over the years on auto insurance because of its location. Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.

Therefore, take your time to ask your agent what effect your new zip code would have on your rates before you make that down payment. I know: That isn't usually an issue when you're looking for a home but it's really important.

But think about it: If your new zip code adds up to $300 to your annual auto insurance rate, how much would that amount to at the end of your 30-year mortgage?

Affordable Auto Insurance

7. As an under 25, you can pay cheaper auto insurance rates if you use your parents' policy. The fact that you are of driving age means that your parents belong to a lower risk age group.

To take advantage of this though, you'll have to live with your parents and also have the car registered in their name. If you want to be the owner of your car, then be the big boy or girl and also own the higher rates. Sorry, you can't have both with this option. However, you can still make a lot of savings by following the link at the end of this piece.

8. You will save much if you really have between 25-30 minutes. Visit, receive and compare auto insurance quotes from various insurance quotes sites. The lowest quote should be your choice easily.

But, you have to go beyond simply the cheapest price to the best price to value ratio. The cheapest may not offer the best price/value for you as a person.

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