Automobile Insurance -- Three Smart Steps To Pay Less

1. One good way to make sure you get more affordable auto insurance rates is by being careful always while driving. You'll be making a wise resolution to always avoid being behind the wheels if you take alcohol.

Driving while drunk, even if slightly will make you attract exorbitant rates if you're lucky or be forced to stay without car insurance if you're not so lucky. While alcohol-related traffic offences have very clear and serious consequences, speeding tickets will also make you pay much more if they accumulate. You'll be helping yourself if you obey all traffic laws always.

2. You'll lower your auto insurance cost if you have an excellent credit rating. Folks who have poor credit pay high rates for all forms of insurance and that includes auto insurance. There are many reasons for this but this one ranks high among them: If you have a poor credit history then it could only mean you have missed payments at some points. It's usual for insurance carriers to assume that a person who fails in credit card payments will likely default in auto insurance premiums. This assumption of increased risk makes such persons attract very high rates in auto insurance and other policies.

3. The most important key to huge savings in auto insurance is comparison shopping -- That's if you do it well. You can get quotes that will have a difference in excess of $1,000. You could quickly save so much by simply picking the lowest quote. This should apply if you're just after the lowest price.

However, 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 different exclusions for similar policies. It's wise to ask the agent what's part of the deal and what's not.