Vehicle Insurance -- Seven Tips Cheaper Rates

Anybody who makes use of the right tips will easily get cheaper rates while maintaining sufficient coverage It's equally necessary that I point out that there are tips that might put you at risk even if they help you make savings at the moment. I will, nevertheless, only make suggestions that will help you save much while you still maintain the right coverage...

1. There is something known as "good driver discount." It's for policyholders who have not made claims for 3 years and more. But don't be surprised if your insurance agent tells you your car insurance company does not offer this discount.

Your agent must be made to understand your dissatisfaction with their refusal to give you this discount and don't fail to point out that you will possibly leave for another insurance carrier. Take it or leave it, every insurer likes having folks who stay claims free for this long and you shouldn't find it hard getting lower rates with many other insurers.

And, believe it or not, your insurance carrier is likely to have a rethink if they discover you are very serious about changing to another company.

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2. Your rate is seriously affected by your total mileage. So do all you can to leave your car wherever you have a viable option. This is especially recommended for those of us who stay in cities with standard mass transit systems.

You can also reduce your mileage by carpooling.

3. Many insurers offer a retiree discount. The simple logic for this discount is that retired persons generally drive less. A driver's annual mileage is a strong factor that affects how much they pay in premiums. So anything that brings down your total mileage by a big margin must reduce your rate.

Note that you qualify for this discount if you're a retired person. Get your insurance carrier's policy on this from your agent. If for some reasons they don't have a discount like this, remember to inform your insurance agent about your change in mileage. Except where the difference in your mileage isn't considerable, you should look for another insurer if you don't get a decent discount.

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4. .Try to have theft-deterrent devices in your vehicle. Considering that they bring down the probability of your car being stolen, they attract a reasonable discount. Thieving rats have a preference for easy cars.

5. You will spend a lot more on car insurance if you live in Los Angeles than you would if you resided in some rural area. If you can live in a rural area you'll be eligible for the better quotes because the risk of vandalism, crash or theft is so low in such areas.

6. Ensure your auto insurance policy is not allowed to lapse no matter what.. You'll pay more expensive rates for a considerable length of time if this happens to you albeit inadvertently. Don't make such a mistake if you're changing insurers because that's when this happens to a lot of people.

A simple way to ensure you do NOT make this type of mistake is to let your old policy keep running until you've confirmed that the new one is fully operational. As simple as this may seem, many people are bearing the pain of higher rates because of just a little negligence.

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7. Do you know that you might be losing money if you have a car that you've not used for months? Is one of your cars been covered in the garage for up to six months because it's broken? Are you still paying premiums on such a car because you did NOT remember to remove it from your auto insurance policy?

Simple as this looks a lot of people end up paying thousands in unnecessary premiums because they don't remember to remove such cars from their policy. I hope this is not the case with you.

8. You might save several hundreds of dollars by just receiving and comparing quotes from about five insurance quotes sites. And, it will require just a total of 25 minutes.

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