Cheap Car Insurance Quotes -- 5 Crucial Facts

Everyone in their right mind would be very pleased to find a way of enjoying affordable automobile insurance rates as long as such a way won't downgrade the quality of coverage they enjoy. Here are tips that will help you get considerable discounts easily...

1. Ask your agent personally about all the discounts possible with with your chosen insurer. There's a possibility that your agent might have overlooked a discount you're eligible for. The only way to be sure this is not true in your case is by asking your agent to list out all discount that your insurer gives. Do not be shocked if you discover some that you've never heard of.

2. There are programs that are designed to make you a better driver. Join them. Apart from the fact that they will improve your driving, they will show your insurance carrier that you're doing your best to make yourself a better risk.

3. As an under twenty five, you can pay cheaper car insurance rates if you use your parents' policy. If you're of driving age, then your parents certainly are far above 25 years which means they're lower risk drivers.

You must remember that the vehicle must be registered in their name and you must be living with them if you want to use this option. This means that by law they own the car. If the benefits of "independence" outweigh your car insurance savings then this is certainly not alternative for you.

4. Do your best possible to present your details exactly the way they are. One of the factors that has kept rates as high as they are is insurance fraud. It's making everyone pay a lot more.

If you couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation. You'll then lose in a very big way. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. You can save us all this extra burden by representing your details truthfully.

5. You can get cheaper rates on auto insurance now by visiting a minimum of five insurance quotes sites. Each site will require around 5 minutes or less to receive quotes. (Some folks fill in details that is not quite true about themselves. That is NOT smart as the quotes you'll get this way will NOT do you any good).

You'll simply pick lowest auto insurance quote for you from the list of quotes you've obtained. It's as simple as that. Nevertheless you could easily save hundreds of dollars.