Auto Insurance -- 7 Steps For Cheap Rates

Anyone who uses proven advice will easily attract cheaper rates without sacrificing sufficient coverage But also bear in mind that you could make savings if you use the wrong tips. The only thing is that you'd put yourself at risk. Here are some proven ways to pay far less without putting yourself at risk...

1. People who don't make claims for above three years usually get a discount for it. But don't be alarmed if your insurance agent tells you your car insurance provider does not give this discount.

If your insurance provider is one of the few who don't offer this discount let them know without mincing words that you will move over to another insurance carrier. With this kind of driving record locating a much lower rate is certainly quite easy since policy holders who stay claims free are every insurance company's dream.

However, more often than not a serious threat of switching from you will be enough to force them to shift grounds.

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2. Drive as little as possible since it will cut down your mileage and make you eligible for a low mileage discount. This relates more to folks whose vocation and location give easy access to standard mass transit systems.

Joining a carpool is also another innovative way of bringing down your mileage.

3. Retirees are given a special discount by many insurers. You'll most like NOT drive as frequently as you used to do the moment you retire. Driving less means lower mileage which certainly makes you a lower risk.

The finer details for each insurance company might be different but this is definitely a good way to cut down your car insurance cost. So it's recommended that you discuss this with your insurance agent. And, if your agent says they do NOT offer this particular discount, do your best to show the big difference in your mileage. Unless the drop in your mileage isn't big enough, you should switch to another insurer if you don't get a decent discount.

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4. There are several theft-deterrent mechanisms like automatic gas cut-off system, alarm systems and more. The chances of theft is a strong factor that influences your rate. And since these mechanisms reduce the probability, you'll attract a good discount if they are fitted in your car. Thieving rats prefer unprotected targets.

5. You'll pay far more on car insurance if you live in Tampa Florida than you would if you stayed in some sparsely populated town. If you can stay in a sparsely populated area you will attract the lower quotes because the risk of vandalism, crash or theft is really low in such places.

6. Ensure your auto insurance policy is not allowed to lapse for any reason.. It will sentence you to expensive premiums for a long time. It's easy for this to happen to some individuals when they are changing to another insurer.

One way to be certain you do NOT make this type of mistake is to let your old policy keep running until you're sure the new policy is fully operational. Many people are paying higher rates than they would otherwise just because they made this mistake. So do take care so you don't become one of them.

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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? Do you have a car that you've just forgotten about because of the headaches it gives you or something? Is this car still on your auto insurance policy or have you removed it?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. I hope this is not the case with you.

8. While you take other steps to reduce your auto premium, here's something you can do to receive lower rates today: Visit good insurance quotes sites and obtain quotes.

Visit at least five of such for the best results. It's free, quick and easy. Please make certain you give your correct details as you complete the forms presented. All you have to do next is just pick the offer that gives you the best price/value from the quotes you've obtained.

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