Automobile Insurance -- 7 Tips Cheap Rates

Anybody who implements time-tested tips will easily attract cheaper rates while maintaining adequate coverage It's as well necessary that I stress that there are steps that might put you at risk even if they save you for now. I will, nevertheless, only give tips that will save you much while you still maintain sufficient coverage...

1. Policyholders who do NOT make claims for more than three years usually attract a special discount for it. Several insurance companies don't present this without some persuasion.

If your agent tells you that they don't give this discount indicate that you might change over to another insurance carrier. As a matter of fact, you should because you will definitely enjoy a better deal with another company if you've kept a clean slate for this length of time.

However, more often than not a serious threat of switching from you is enough to make them give a concession.

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2. Your rate is seriously affected by your total mileage. Therefore do all within your power to NOT drive your vehicle wherever you have a good alternative. This is especially true for people who reside in cities with standard mass transit networks.

Carpooling is also another smart way of reducing your mileage.

3. Many insurance carriers give a retiree discount. The simple argument for this discount is that retired persons generally drive less. Driving less means lower mileage which surely makes you a better risk.

Note that you are eligible for this if you're a retiree. Therefore it's important to discuss this with your insurance agent. Even if you don't refer to it as retiree discount, telling them of a considerable reduction in mileage is necessary. You deserve a reduction in rate if the drop in your mileage is big.

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4. Mechanisms like automatic gas cut-off, alarms and other anti-theft gadgets are helpful. Considering that they cut down the chances of your car being stolen, they bring a reasonable discount. Thieves will think twice before trying to steal a vehicle with theft-deterrent features.

5. You will pay a lot more on car insurance if you stay in Los Angeles than you would if you stayed in some sparsely populated town. It makes sense to live in a sparsely populated area if it suits you since the risk of vandalism, theft or an auto accident is much less.

6. Do your best to always ensure your policy does NOT lapse. You'll attract more expensive rates for a considerable length of time if this happens to you albeit by mistake. Don't make room for such a mistake if you're changing insurers since that's one situation where this happens to a lot of folks.

To avoid a lapse, wait until the new policy is fully in place before you cancel the old. Many people are paying more than they would otherwise simply because they made this mistake. Therefore, make sure you don't become one of them.

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7. Do you have a car you've not driven in months? Do you have a car that you've just forgotten about because of the headaches it gives you or something? Is this car still on your auto insurance policy or have you removed it?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. I hope this is not the case with you.

8. While you take these other steps to lower your auto premium, here's something you can do to receive lower rates now: Visit good quotes sites and request for quotes.

Visit a minimum of five of such sites for the best results. It's free, quick and easy. However, ensure you give your correct details as you complete the forms on each site. All you have to do next is simply choose the insurance company that gives you the best price/value from the quotes you receive.

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