Auto Insurance Quotes -- To Save Massively, Try These

Would you like a cheaper rate that still leaves you with sufficient coverage? Let's explore several proven ways of achieving just that...

1. The difference in the cost of insuring similar cars could be very huge. Therefore, have this at the back of your mind when you go to shop for your next vehicle. A comparable car that has a bad crash rating and higher theft rate will cost a lot more to insure.

Furthermore, vehicles that typically cost more to repair also cost more to insure. This is my personal opinion; but it does make sense to opt for a comparable vehicle that is more insurance-friendly.

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2. It will cost you a lot more to insure a car if it has a low safety rating. Safety ratings should receive top consideration when buying a new vehicle. You will qualify for a Safe Car discount if your car has such mechanisms.

3. It's a known fact that young drivers attract high rates. 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 have an adverse effect on your rate. Sign an exclusion form that will allow your teen driver have his or her own policy.

If a teen is keen on driving then then should be made responsible for at least the cost of their auto insurance. This act will save you more than money as your teen driver will happily listen when suggestions are made on things that will bring down the high rates they pay. Your teen will also be safer as the steps that will bring down his/her rates will make her a more responsible behind wheels.

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4. The longer you stick with the same insurer the more you stand to gain for two reasons: The long term discount and accident forgiveness. 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.

The accident forgiveness discount means that your insurer will not raise your rates if you file just one claim. Insurers offer these as incentives to keep you with them since it serves them better too.

However, what you may save by switching to another insurer might far outweigh all the incentives you'll get depending on what your rates are and how much another insurer is ready to offer.

If your auto insurance premium is $2,500 and you get a five percent discount when you stay for about five years you'll pay $2,500 - (5% of $2,500 or $125) = $2,375.

But we can almost say with some assurance that because of inflation your rate might not remain the same. But while you're at it, an insurer somewhere could be willing to offer a rate of $2,000 or less within that period. If this is correct about you then you know it is ideal for you to go for the better offer right away and not wait for years to become entitled to a discount that will not even save you as much.

Furthermore, in nearly all cases, most folks can easily pay more affordable rates than they are currentl on auto insurance if they shop right.. Since the process of obtaining and comparing auto insurance quotes involves just minutes, I'll wonder why you will not do that now and get more affordable auto insurance rates immediately.

5. Participate in a defensive driving class. In addition to making you a safer driver, they will make you eligible for a discount with your insurer provided such a course is one they approve.

6. Before you get carried away with the few hundreds you will save on a house, check if it will not cost you much more in auto insurance. Do you know also know that homes within the same neighbor might actually fall into different risk zones according to the insurance industry's mapping?

So, as part of your home shopping activities, check how this neighborhood will affect your auto insurance rate. 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?

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7. A good option for you is to use your parents' car insurance policy. If you're of driving age, then your parents certainly are far above 25 years which means they're lower risk drivers.

You have to bear in mind, though, that the vehicle must be registered in their name and you must be living with them if you want to take advantage of this option. If you don't like the idea of giving the car's ownership to them and other stuff that may come with it, then you will have to forget this alternative.

8. You can get savings of hundreds of dollars on your auto insurance policy by getting insurance quotes from insurance quotes sites. The best method is to visit a minimum of five quotes sites and making sure that you give the same (correct) information about yourself.

I advise that you visit not less than five quotes sites since that will ensure you do not miss out better quotes not given by the other sites. This gives you a broader basis for doing more thorough comparisons thereby increasing your chances of better quotes.

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