Affordable Motor Car Insurance -- Steps For Bigger Savings

Everyone can enjoy high quality coverage without breaking the bank. You just need the right tips and the discipline to practice what you'll be taught to start enjoying a better rate. Following are a number of things that will help you achieve this goal...

1. One easy way to make sure you get lower rates is by being careful every time you're behind wheels. Please, ensure that you make it a personal principle to NOT drive if you even sip any alcoholic beverage.

Driving while drunk, even if mildly will make you pay exorbitant rates if you're lucky or be compelled to stay without auto insurance if you're not so lucky. Even those speeding tickets eventually add up to make you pay higher rates on the long run. You'll do yourself a world of good if you obey all traffic laws always.

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2. You can reduce your rates by going for a multi-vehicle discount. It makes sense to insure all your vehicles with the same insurance company unless you have a better rate for one of your vehicles with another insurance carrier. Doing some shopping and then comparing with what you'll save with a multi-vehicle discount is an easy way to be sure if this is in your best interest. But however you look at it, a multi-vehicle discount is a great way to get more affordable rates.

3. You will also get a reasonable discount if you maintain multiple policies with the same insurance company. All you are expected to do to become eligible for this is to get your car insurance policy from the same insurer that is providing, say, your homeowners insurance.

Howbeit, you must be careful because the fact that an insurance company offered you cheap rates for a policy doesn't mean that they will for another one. It's worthwhile that you do comparison shopping. Once you do this, you won't be taking a blind leap as you choose which to do since you're positive about which saves you more.

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4. People who do NOT make claims for above three years usually enjoy a special discount for it. Several insurance providers do NOT offer this discount without some coercion.

If your insurance provider is one of those who don't give this discount tell them clearly that you'll move over to another provider. With this quality of driving history getting a much better rate is certainly quite easy because claims-free policy holders are every insurance provider's dream.

Almost all insurance carriers will do everything within their powers to ensure they don't lose a prized policyholder and this should result in a concession from them.

5. If you maintain collision and/or comprehensive for an old vehicle which is not a classic, then you're paying much more than is necessary. The rationale behind this is that insurance companies base your compensation on what is called the Kelly Blue Book value of a vehicle when you file claims. So even if you have paid your premiums faithfully for years but the Kelly Blue Book value says your car has zero value, you will get nothing from your insurance company and they'll be completely protected by the law.

So, stop wasting your hard-earned cash. If your vehicle gets old, give up collision and comprehensive coverage types on it. This simple step will save you much and not put you at risk in any way.

6. Choosing high deductibles is a proven way to get better rates. The right strategy is to select the highest deductible that you can afford with relative ease.

I must emphasize that you're bound by law to provide this amount if you ever make a claim.

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7. Your rate is seriously determined by your annual mileage. So do all you can to NOT drive your car whenever you have a good alternative. This surely makes sense if you live in a city where you have access to standard mass transit systems.

Joining a carpool is equally another innovative way of cutting down your mileage.

8. You can lower your auto insurance rates by obtaining and comparing quotes from at least five reputable quotes sites.

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