Cheap Car Insurance -- How To Get It

Anybody who uses time-tested tips will easily get cheaper rates without sacrificing adequate coverage However, if you are given the wrong advice, in spite of the fact that you may still make huge savings, you will do so by sacrificing the level of coverage you'll enjoy. If you are interested in tips that you can use to save much and at the same time maintain adequate coverage, read the following...

1. Under-25 drivers pay really high rates. If you belong to this age group you can get more affordable rates if you keep getting good grades at school. It's known as the good student discount.

To have this, however, you must keep getting a minimum of a "B" grade. This attracts a discount of about 5%. Experience has proven to insurance carriers that what makes a student keep getting excellent grades is a level of responsibility which also shows behind wheels. It's quite hard to meet reckless young drivers who keep getting wonderful grades.

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2. If you're a senior citizen you can reduce your rate if you take courses meant for elderly drivers. Passing this type of course will position you for discounts of up to 10 percent. Find out from your agent about your provider's position on this and the best way to go about it.

3. Retired persons are given a special discount by several insurers. You'll most like NOT drive as much as you used to do once you are retired. A driver's total mileage is an important factor that affects how much they pay in premiums. Therefore, any event that lowers your total mileage count by a big margin must reduce your rate.

The details for each insurance company may be different but this is definitely a good way to reduce your automobile insurance rate. Therefore it's a good thing to ask your insurance agent. If for any reason they don't have a discount like this, don't forget to inform your agent about the change in your mileage. You deserve a a cheaper rate if the difference in mileage is big.

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4. Mechanisms like automatic gas cut-off, alarms and other theft-deterrent devices are helpful. Since they bring down the odds of your vehicle being stolen, they result in a sizeable discount. Vehicles without such mechanisms are easy targets for car thieves.

5. You will get discounts with many insurers if you're part of an auto club. Even if this discount is quite little it's still some savings for you.

6. You can attract discounts from some insurance carriers if you belong to groups especially the larger ones. Insurers give these associations concessions in the hope that they will in that one move get a large percentage of their members to get a car insurance policy from them. Although you may not just join an association because you want a group car insurance discount, it's up to you to take advantage of it if it's extended to any association you already belong to.

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7. Does your child not drive the vehicle for a protracted period? Then you should get a discount for this. If this applies to your child in school then don't forget to tell your agent about it. But bear in mind that not all insurers give this discount.

8. The most important step to massive savings in auto insurance is comparison shopping -- Given that you do it correctly. You can get quotes that will have a difference in excess of $1,000. You could conveniently save so much by just choosing the lowest quote. This should apply if you're simply after the lowest price.

Nevertheless, if you want the best value to price ratio then you would have to check the details of the cheapest quotes. Different insurance companies may have adjustments for similar policies. It's important that you ask the agent what's part of the deal and what's not.

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