Cheapest Car Insurance -- Tips For Massive Savings

Contrary to what you might be made to believe, it's a lot easy to get a cheaper rate. You only need the right tips and the motivation to practice what you'll learn to start enjoying a cheaper rate. Let's look at several sure-fire ways to get this done...

1. One easy way to make sure you get more affordable rates is by being careful every time you're behind wheels. It's a smart idea to NOT drive at all once you have taken alcohol(even if it's just a sip.

Traffic offences that are associated to having more than the permissible level of alcohol in your system will make you pay very high rates. Even those speeding tickets do add up to make you pay higher rates over time. For your safety then and lower rates, never go against any traffic law notwithstanding how small you think it is.

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2. A multi-vehicle discount is a sure-fire and easy way to enjoy more affordable rates. Howbeit, there are several cases where you'll make more savings by buying from different insurance carriers. You can ensure you are choosing the best in your case by doing thorough comparison shopping. Insuring more than one vehicle with the same insurance company will always give a reasonable discount.

3. A multi-policy discount is a proven option to bring down your total insurance spend. All you need to do to become eligible for this is to purchase your auto policy from the very insurer which is providing, for example, your home insurance.

However, be informed that you might be better off if you purchase your different policies from various insurers who give you the lowest rates for each policy. It is worthwhile that you do extensive research. Once you do this, you'll not be taking a blind leap as you make your choice because know definitely which saves you more.

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4. People who do NOT make claims for over 3 years usually enjoy a special discount for it. But don't be surprised if your insurance agent says that your vehicle insurance carrier doesn't give this discount.

If your agent tells you that they don't offer this discount let him or her know that you will switch to another insurance carrier. Believe it or not, every insurance provider likes having people who remain claims free for these number of years and you shouldn't find it hard finding cheaper rates with many other insurers.

However, more often than not the threat of leaving from you is enough to force them to give a concession.

5. Folks who because of their level of knowledge maintain either collision or comprehensive coverage types or the two for an old car that is not regarded a classic are painfully spending a lot more than would serve any useful purpose. This is because you are paid compensation based on what is called the Kelly Blue Book value of your vehicle as at when you make a claim. So even if you've paid your premiums diligently for years but the Kelly Blue Book value shows your car has zero value, you will get nothing from the insurer and they will be fully covered by the law.

Therefore, do the right thing and remove these coverage types from your auto insurance policy for all old cars. This easy tip will give you much savings and not put you at risk at the same time.

6. Selecting high deductibles is a proven step to attract more affordable rates. It is good advice to have a deductible that's as high as as you can make it but always within easy reach.

Just bear in mind that this is the amount you'll have to pay for by yourself if you make a claim.

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7. Your rate is seriously affected by your total mileage. Therefore do all within your power to NOT drive your vehicle whenever there is a good alternative. This is relevant more to folks whose occupation and place of residence make it easy for them to use modern mass transit systems.

You can equally reduce your mileage by carpooling.

8. Take out some time to visit not less than 5 insurance quotes sites that offer quotes on auto insurance policies. This should require not more than 25 minutes.

As you visit each quotes site, ensure you give the same details. Doing otherwise will give you misleading results. When you've obtained your auto insurance quotes, compare them to determine which serves your interest best in price/value.