Cheapest Auto Insurance -- Steps To Qualify

With the right recommendations you'll get cheaper rates for sufficient coverage. However, if you are given the wrong advice, in spite of the fact that you may still save, you will do so by downgrading the quality of coverage you'll enjoy. I will, however, only make suggestions that will help you save much while you still keep enjoying sufficient coverage...

1. Under-25 drivers attract really high rates. If you fall into this age group you can attract lower rates if you keep getting good grades at school. It's called the good student discount.

The good student discount is for those who get A's or not less than B's. It attracts a discount of about 5 percent. Experience has shown insurers that what makes a student maintain good grades is a level of responsibility which also shows behind wheels. It's unusual to find reckless under-25 drivers who maintain excellent grades.

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2. For folks who are over 55 years old, you can take advantage of a drivers' refresher course. You can lower your monthly premium by as much as 10 percent if you go through this course. You should get details on this from your agent.

3. several insurers offer a retiree discount. The simple argument for this discount is that retired persons usually drive less. A person's total mileage is an important point that determines how much they pay in premiums. So anything that brings down your total mileage by a big margin must cut down your rate.

Remember that you qualify for this if you are a retiree. So it's recommended that you ask your agent. And, if your agent says they do NOT offer this very discount, do your utmost to point out the remarkable difference in your mileage. You should get a lower rate if the drop in your mileage is significant.

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4. There are many theft-deterrent devices like alarm systems, automatic gas cut-off system and so on. They usually attract a discount for the obvious reason that they make it less probable that you vehicle will be stolen. Vehicles that don't have those features are preferred targets for car thieves.

5. A good number of insurance carriers will give you a discount if you are part of an auto club. Although you shouldn't expect to get huge discounts for this, every little discount you can garner will add up to much on the long run.

6. Have you checked with the associations you are part of if they have concessions from any insurance company? Insurance providers offer these associations concessions to attract a large percentage of their members to buy an automobile insurance policy from them. Even though you may not necessarily join an association because of a group automobile insurance discount, it makes sense to benefit from if it's been extended to any group you already belong to.

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7. Some insurance providers will give you a discount if a child on your policy gets into college and does not drive the car within that time frame. Don't miss this if your child is in college. I must point out, though, that a number of insurance carriers don't give this discount.

8. You will save a lot if you really have between 25-30 minutes. Visit, get and compare auto insurance quotes from selected insurance quotes sites. The lowest quote should be what you pick easily.

However, you have to look beyond just the lowest quote to the best price to value ratio. The lowest priced may not offer the best price/value for you as a person.

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