Cheap Automobile Insurance -- How To Qualify

You will easily spend less for adequate coverage if you get and implement the right tips. It is as well important that I stress that there are tips that might put you at risk even if they save you at the moment. Here are some great ways to get cheaper rates without opting for inadequate coverage...

1. We all know that hardly any other age group pays as much for auto insurance as drivers who are less than 25. If you belong to this age group you can get more affordable rates if you keep getting good grades at school. It's known as the good student discount.

The good student discount is for those who get A's or not less than B's. For young drivers who qualify, you can get discounts of about 5%. Students with good grades are usually considered more responsible and less prone to reckless driving.

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2. For those who are above 55 years old, you can take advantage of a drivers' refresher course. You can cut down your monthly premium by as much as 10 percent once you go through this course. Find out from your agent about your insurance carrier's stand on this and the best way to go about it.

3. Are you retired? Then you can get a retiree discount with a good number of insurance carriers. The plain argument for this discount is that retirees usually drive less. Driving less will result in reduced mileage which surely makes you a lower risk.

Remember that you are eligible for this discount if you're a retiree. So it's a good thing to discuss this with your insurance agent. Even if you don't call it a retiree discount, registering a considerable cut in mileage is necessary. You deserve a a cheaper rate if the drop in your mileage is considerable.

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4. Mechanisms such as automatic gas cut-off, alarms and other theft-deterrent gadgets are helpful. Since they lower the likelihood of your vehicle being stolen, they result in a sizeable discount. Car thieves will think twice before attempting to go for a vehicle with anti-theft features.

5. You will get discounts with a number of insurance providers for being part of an auto club. Although you shouldn't expect to get massive discounts for this, every little discount you can garner will add up to much when added to other such discounts.

6. Being part of associations, particularly the bigger ones, will give you access to discounts on your automobile insurance. It is a good business decision for a car insurer to give a group discount to an association that has a large membership. Bearing this in mind, you'll do well to see if there are rebates for any association you're part of.

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7. You can get a considerable discount if your child doesn't drive the vehicle for a considerable period because he/she is away at school. If this this is the case with your child in college then don't forget to tell your agent about it. I must point out, though, that a number of insurance companies don't offer this discount.

8. You might save several hundreds of dollars by just receiving and evaluating quotes from not less than five insurance quotes sites. And, it will take you only about 25 minutes on the whole.

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