Affordable Car Insurance Quote -- Tips For Big Savings

Contrary to what you might have thought, it's quite easy to attract a lower rate. The two things that are holding you from enjoying a more affordable rate at the moment are the right information and a determination to use the recommendations you get -- That's all. Below is a list of tips that will help you achieve this goal...

1. One good way to make sure you get lower rates is by being careful every time you're behind wheels. Please, make sure you make it a personal principle not to drive if you even sip any alcoholic beverage.

Driving while drunk, howbeit slightly will make you pay very expensive rates if you're fortunate or be forced to stay without auto insurance if luck isn't on your side. And don't forget little things like speeding tickets because they cost you much more than the fine you pay. They add up to increase your rate. So, if it's breaking traffic laws, avoid it notwithstanding how minor it may appear to be at the moment.

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2. A multi-vehicle discount is a proven and easy way to enjoy more affordable rates. It makes sense to insure all your vehicles with the same insurer unless you have a better rate for a number of your cars with another insurer. You can ensure you are making the right choice by doing thorough comparison shopping. But if you don't intend to shop around, you can rest assured that you'll still save considerably with a multi-vehicle discount.

3. Maintaining more than one policy with the same insurance company equally gets you a reasonable discount. This clearly means you should try to buy your auto policy from the very carrier that handles your homeowners, health or life insurance policies.

Nevertheless, I must stress that you might NOT be saving as much as you might by changing to another insurer. It is recommended that you comparison shop. You will be certain of the best choice for your profile when you do this.

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4. Remaining without making claims will get you a good discount. But don't be alarmed if your agent tells you your car insurance carrier doesn't offer this discount.

Your agent must be made to realize your displeasure with their refusal to offer you this discount and don't fail to point out that you might leave for another insurance provider. Take it or leave it, every insurer likes having policyholders who stay claims free for these number of years and you shouldn't have any difficulty finding better rates with a host of other insurers.

Most insurance providers will do everything possible to be certain they do NOT lose a prized policyholder and this will likely lead to a concession from them.

5. You are definitely paying too much if you've got collision and comprehensive coverage types for an old car that isn't a classic. This is because you're paid compensation based on what is known as the Kelly Blue Book value of your vehicle at the time you file a claim. This means that not minding the amount you've paid and the length of time you did, you may get nothing if the book shows your car is worth nothing when you make a claim.

So, stop frittering away your hard-earned cash. The moment your vehicle becomes old, cut out collision and comprehensive coverage on it. If you do this you will make big savings.

6. Opting for high deductibles is a sure step to land lower rates. It is a wise move to have a deductible that is as high as possible but always within easy reach.

Your insurance carrier you to contribute this amount.

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7. Your rate is seriously determined by your total mileage. Therefore do all you can to leave your car whenever you have a good alternative. This definitely makes sense if you reside in a city where you have access to standard mass transit systems.

Another great alternative for those who want to cut down their mileage is carpooling.

8. Make out some time to visit at least five insurance quotes sites that provide quotes on auto insurance policies. This should take you not more than 25 minutes.

As you visit each quotes site, ensure you give the same details. Doing otherwise will produce misleading quotes. After you've obtained your auto insurance quotes, compare them to determine which serves your interest best both in price and value.

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