Cheapest Motor Car Insurance -- Steps For Huge Savings

Everyone can get high quality coverage without breaking the bank. You only need the right information and the discipline to implement what you'll learn to get a more affordable rate. Let us get into the tips you need to attract cheaper rates...

1. Drive carefully if you're truly serious about attracting lower car insurance rates. You'll be making a smart decision to stay away from the wheels once you take alcohol.

Driving while drunk, even if mildly will make you pay very expensive rates if you're fortunate or be made to stay without auto insurance if luck isn't on your side. Even those speeding tickets do add up to make you get higher rates on the long run. For your safety then and more affordable rates, never violate any traffic law despite how minor you think it is.

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2. A multi-vehicle discount is a smart and simple way to enjoy lower rates. You can only do otherwise if the total of your rates across various insurance carriers is lower than what you'll be given with a multi-vehicle discount if you buy from one insurance company. You can find out which will serve you best by first doing a little research before making this decision. Insuring more than one vehicle with the same insurer will always give a good discount.

3. You will equally get a reasonable discount if you maintain multiple policies with the same insurance carrier. This definitely means you should try to purchase your auto policy from the same insurer that provides your renters, health or LTC insurance policies.

However, you must be careful because the fact that an insurance carrier offered you low rates for a policy does NOT suggest that they will for another one. It is recommended that you do comparison shopping. When you're done, you won't be be taking chances as you make your choice since know definitely which saves you more.

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4. There is A type of discount known as "good driver discount." It's for policyholders who have not made a claim for three years and above. But remember that not all carriers present this discount.

If your insurer is one of those who don't give this discount tell them point-blank that you will go to another insurance carrier. With this quality of driving record getting a far cheaper rate is really quite easy since claims-free policy holders are every insurance company's dream.

But more often than not the threat of switching from you is enough to make them shift grounds.

5. If you keep collision and/or comprehensive for an old car which isn't a classic, then you are paying much more than is necessary. The logic for this is that insurance companies base the reimbursement they make on what is called the Kelly Blue Book value of a vehicle when you file claims. So even if you have paid your premiums diligently for years but the Kelly Blue Book value shows your vehicle has zero value, you will get nothing from your insurance company and they will be totally on the good side of the law.

So, stop wasting your hard-earned cash. The moment your car gets old, give up collision and comprehensive coverage on it. You will be saving much that way.

6. Increase your deductible and you'll attract lower rates. It is good advice to have a deductible that is as high as possible but as well within easy reach for you.

Your insurance provide you to provide this amount.

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7. Seize every opportunity to NOT drive your car since it will reduce your mileage and, by consequence, your rate. This applies more to those whose occupation and location give easy access to public mass transit networks.

Another good option for folks who want to bring down their mileage is carpooling.

8. You will save much money in auto insurance if you obtain and compare auto insurance quotes from insurance quotes sites. You will realize savings if you use only one of such sites. But keep this in mind, you'll get more by visiting at least five.

The straightforward reason for this is that you will get a greater number of auto insurance quotes from many more insurance companies. This raises your chances of receiving better quotes.

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