Cheap Motor Car Insurance -- Tips For Huge Savings

Contrary to what you might be made to believe, it is a lot easy to get a lower rate. All you need to achieve this goal are pieces of information (that you'd have to put to use, though). Here are a number of things that will help you get to this goal...

1. Drive carefully if you're truly serious about getting affordable auto insurance rates. Please, make sure you make it a policy to NOT drive if you even sip any alcoholic beverage.

If you're convicted for driving under the influence (DUI) you'll NOT see cheap rates for a very long time. And don't forget little things like speeding tickets because they cost you much more than the fine you pay. They eventually increase your rate. For your safety then and cheaper rates, never violate any traffic law notwithstanding how negligible you think it is.

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2. A multi-vehicle discount is a proven and easy way to enjoy cheaper rates. Nevertheless, there are a number of cases where you'll save more by insuring each car with different insurance carriers. You can ensure you are choosing the best in your case by doing thorough comparison shopping. Insuring more than one car with the same insurer will always give a reasonable discount.

3. You will as well be eligible for a reasonable discount if you have more than one policy with the same provider. This simply means you should try to get your car insurance policy from the very insurer that provides your homeowners, health or LTC insurance policies.

Nevertheless, you must be careful because the fact that an insurance carrier gave you great rates for a policy does NOT suggest they will for another one. Do some research with quotes sites and also discuss with your agent. Once you do this, you won't be guessing as you make your choice since you're positive about which brings bigger savings.

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4. Drivers who do NOT make claims for above 3 years generally enjoy a discount for it. But take note that not all insurers give this discount.

If your insurance agent tells you that they do NOT give this discount let him or her know that you will go to another insurance carrier. Believe it or not, every insurance company likes having drivers who remain claims free for these number of years and you shouldn't have any difficulty getting lower rates with a host of other insurers.

Almost all insurance providers will do everything within their powers to make sure they don't lose a prized policyholder and this will likely result in a concession from them.

5. Folks who because of their scope of understanding maintain either collision or comprehensive coverage types or both for an old vehicle that isn't classified as a classic are painfully paying a lot more than would serve any useful purpose. This is because you're reimbursed based on what is known as the Kelly Blue Book value of your vehicle as at when you file a claim. So even if you have paid your premiums faithfully for several years but the Kelly Blue Book value says your car has zero value, you will get a dime from your insurer and they'll be totally covered by the law.

Therefore, do the right thing and remove these coverage types from your car insurance policy for all old vehicles. Doing this will give you much savings and not put you at risk at the same time.

6. Opting for high deductibles is a sure way to attract better rates. It is a wise move to have a deductible that is as high as as you can make it but always within easy reach for you.

Your insurance carrier you to pay this amount.

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7. Take advantage of every opportunity to avoid driving your car as it will cut down your mileage and, by consequence, your rate. This is especially recommended for folks who live in cities with standard mass transit systems.

You can also cut down your mileage by joining a carpool.

8. You will save a lot of dollars by visiting at least five quotes sites. That way, you'll increase your chances of getting the lowest auto insurance quotes available because five sites will present not less than 25 quotes altogether.

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