Cheap Car Insurance Quote -- Advice For Big Savings

Everyone can enjoy high value coverage without paying top price. The only things that are holding you from enjoying a better rate at the moment are relevant information and a determination to use the information you get -- Nothing more. Let us get into the steps you need to attract cheaper rates...

1. Do your utmost to always drive responsibly. Please, ensure that you make it a personal principle not to drive if you even sip any alcoholic beverage.

Driving while drunk, even if mildly will make you attract very expensive rates if you're lucky or be forced to be without car insurance if luck isn't on your side. And don't overlook those speeding tickets because they cost you far more than the fine you pay. They add up to increase your rate. You'll do yourself a world of good by obeying all traffic laws at all times.

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2. You can bring down your rates by taking advantage of a multi-vehicle discount. You can only do otherwise if the sum of your rates with various insurers is less than what you'll be given with a multi-vehicle discount if you buy from one insurance company. Doing some shopping and then checking with what you'll save with a multi-vehicle discount is an easy way to be sure if this is in your best interest. But if you don't intend to shop around, you can be sure that you'll still save reasonably with a multi-vehicle discount.

3. Having several policies with a given insurer equally gets you a reasonable discount. That is, for instance, if you purchase an auto policy from the very provider that caters for your home insurance.

However, be informed that you might be better served if you get your different policies from various providers who have the cheapest rates for each policy. Getting quotes and comparing offers out there with savings you'd make are very profitable steps. You'll be certain of the better option for you when you do this.

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4. People who don't make claims for over 3 years normally attract a discount for it. But don't be alarmed if your insurance agent tells you your vehicle insurance company doesn't give this discount.

Your agent should be made to understand your dissatisfaction with their refusal to give you this discount and do NOT fail to point out that you may change over to a different insurance provider. With this kind of driving history locating a much cheaper rate is certainly very easy because policy holders who stay claims free are every insurer's dream.

Almost all insurance carriers will do everything within their powers to make sure they don't lose you and this will likely lead to a compromise on their part.

5. If you maintain collision and/or comprehensive for an old vehicle which is not a classic, then you are paying much more than is necessary. This is because you are paid compensation based on what is referred to the Kelly Blue Book value of your vehicle as at when you file a claim. This means that without respect to the amount you paid and for how long you did, you will get NOT even a cent if the book shows the car is not worth anything when you file a claim.

Therefore, do yourself a favor and leave out these coverage types from your car insurance policy for all old cars. If you apply this tip you'll make big savings.

6. You will attract a lower rate if you select higher deductibles. It is a wise move to have a deductible that's as high as as you can make it but also within easy reach.

Just remember that this is the amount you'll have to provide if you file a claim. So make it as high as you can but keep it within easy reach.

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7. Your rate is seriously determined by your total mileage. Therefore do all you can to leave your car whenever there is a good alternative. This applies more to folks whose work and location give easy access to standard mass transit systems.

Another recommended alternative for folks who want to reduce their mileage is joining a car pool.

8. You can lower your auto insurance premium by obtaining and evaluating quotes from at least five good insurance quotes sites.