Wednesday, April 22, 2009

Auto Insurance -- Steps To Get It Cheap

By Chimezirim Odimba

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. Some insurers will give you up to 5% in discounts once you've been with them for up to three years while others will give you such a discount only when you've stayed for up to five.

Most insurers will also not raise the rates of a long standing policy holder if they make only just one claim. These are all incentives for you to stay with them for as long as possible.

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.

Don't make the mistake of parking your car in places where it won't be safe. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. I hope you also know that you'll pay less if you have a garage for your car.

Don't forget to always park your car in a well lit area when you're out. This is because thieves avoid well-lit areas but love operating in the dark. .And for no reason should you leave your car in the open street for a whole night.

Being part of associations, especially the big ones, will get you discounts on your auto insurance. It makes sense for an auto insurer to give group discounts to an association that has a large membership. So check, one of those associations might have discounts you can take advantage of.

Drive carefully if you're truly serious about enjoying lower car insurance rates. You'll be making a good decision to always avoid being behind the wheels if you take alcohol.

If you're convicted for driving under the influence (DUI) you've said good-bye to cheap rates for some years. Even those speeding tickets eventually add up to make you pay more expensive rates on the long run. Therefore, if it's against traffic laws, avoid it notwithstanding how negligible it may appear to be at the moment.

Unless you live in the suburbs, always take advantage of the mass transit. This will drive down your mileage. And since mileage is a strong factor that determines your premium, you'll attract more affordable rates. Therefore, don't use your car whenever it makes sense to do so.

To improve your insurance knowledge go toCar Insurance quote Arizona and auto insurance San Jose California

And...

Visit not less than five quotes sites. Visiting not less than five quotes sites raise the chances that you would obtain better auto insurance quotes. This is because insurers not represented by one site would be represented by another.

Moreover, you should understand that because the likelihood of getting lower auto insurance quotes is tied to the number of quotes you get, the more insurers you get quotes from, the better your chances will be.

Obtaining your auto insurance quotes online will help you save much more if you take out around 25 minutes to get quotes from not less than five sites.

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