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Auto Insurance Savings Tips -- Guaranteed Steps To Dirt Cheap Car Insurance Rates (Series)
-- Pt 1 Tip #1…
Drive Carefully
One easy way to make sure you pay less is being careful every time you're behind wheels
Please, ensure that you make it a policy to NOT drive if you so much as sip any alcoholic
beverage. If you're convicted for driving under the
influence (DUI) you'll NOT see affordable rates for a very long time.
While alcohol-related traffic offences have very immediate and serious repercussions…
…speeding tickets will also affect your rates negatively if they pile up.
So, if it's a violation of traffic laws, avoid it no matter how negligible it may seem at
the time. Tip #2…
Maintain an excellent credit rating It might seem unfair to most people but your
credit rating does affect you rate. A poor credit history will cost you in higher
auto insurance rates For most insurers it shows a pattern they
believe you are quite likely to repeat with them in premium defaults
This assumption of high risk makes such individuals attract very high rates in auto insurance
and other insurance policies Tip #3…
Insure all your vehicles with the same insurer
You can reduce your rates by positioning yourself for a multi-vehicle discount.
It is advisable to insure all your cars with the same insurer unless you get a much better
rate for one of your cars with another insurer Doing some shopping and then comparing with
what you'll get from a multi-vehicle discount is a good way to be sure if this serves your
best interest. But that said; insuring more than one vehicle
with the same carrier will always get you a nice discount.
Tip #4… Hold all your policies under one roof
Buying multiple policies from the same insurer is one smart way to reduce your premium.
For example, buying auto insurance from the carrier that underwrites your home insurance
policy. However, note that you may be better served
if you buy your different policies from different carriers that offer the best rate for each
policy. Do extensive comparison shopping with quotes
sites. Compare what you will save if you go for a
multi-policy discount with what you’ll save by going for individual carriers with the
best rates. Make your choice only when you are sure of
which is more beneficial. Tip #5…
Stay claims-free
Staying claims-free for three years and above will get you a discount. But bear in mind
that NOT all insurers offer this discount. If your agent says they don't offer this discount
let him or her know that you will switch to another insurer.
Believe it or not, every insurer likes having people who stay claims free for this long
as policy holders… …You shouldn't have any difficulty getting
better rates with a host of other insurers. Most insurers will do all within their powers
to ensure they don't lose you and this should lead to some compromise on their part.
Tip #6… Drop collision and comprehensive on old vehicles
You're certainly paying too much if you have collision and comprehensive coverage for an
old car that is not a classic. Your car's Kelly Blue Book value at the time
of a claim (and not the value of the car when you bought it) is what determines what you'll
get from your insurer. This means that not minding how much you paid
and for how long you did, you may get $500 if the book says it's only worth that much
by the time you file a claim. Do the smart thing and take them off your
car insurance policy. Doing this will save you much and not compromise you in any way.
Tip #7… Make your deductible as high as possible
The higher your deductible amount, the lower your premium will be.
Therefore, it makes sense to choose a deductible that is as high as possible but always within
easy reach for you. You are bound by law to contribute this amount.
So go as high as you can but keep it within your reach.
Tip #8… Slash your mileage by every fair means
Drive as little as possible. It will lower your mileage and get you a low mileage discount.
This applies more to those whose work and location make it easy for them to use the
public transit system. Walk whenever possible. Apart from the fact
that it is good for your health, it will also help keep your mileage down.
Carpooling is another smart way of reducing your mileage.
Tip #9… Get and maintain high grades
It is a fact that young drivers attract very high rates.
For those who fall within this age bracket, getting good grades at school will go a long
way to help you get more affordable rates. There is a discount know as the Good Student
Discount… This discount is for students who get A's
or a minimum of B's. It attracts a discount of about 5 percent.
This is so because insurance providers think there is a correlation between good grades
and a young driver's behavior behind wheels Students who maintain excellent grades are
generally considered more responsible and less prone to reckless driving.
Tip #10… Take refresher courses for the elderly
Are you a senior citizen? Then you can reduce your rate if you take courses designed for
older drivers. You can reduce your monthly premium by as
much as 10% once you pass any of such courses. To find out the finer details of how this
works and how much you can save with your insurer, consult your agent.
Get and compare cheap quotes from many top insurers @ Q4L.org
Quality-Insurance-4-Less.com Q4L.org
(It's the same site just easier to type into your browser)
One more thing... Save a lot of money...
Get many more tips that will help you cut down your overall insurance costs by up to
50% at Q4L.org Q4L.org