Are your auto insurance rates way too high? Here are seven time-tested tips for saving much...
1. One good way to make sure you pay less is being careful always while driving. You'll be making a good decision to always avoid being behind the wheels if you take alcohol.
Driving while drunk, howbeit slightly, will make you pay very expensive rates if you're lucky or be forced to be without auto insurance if luck isn't on your side. And don't forget those speeding tickets because they cost you much more than what you pay as fines. They eventually increase your rate. For your safety then and more affordable rates, never violate any traffic law notwithstanding how small you think it is.
2.You will lower your auto insurance rate if you have an outstanding credit rating. A poor credit history will cost you in higher auto insurance rates. The truth is that they believe that the likelihood of you missing payments of your premiums is very high. Once you are noted as a higher risk you'll invite more expensive auto insurance rates.
3. You can lower your rates by going for a multi-vehicle discount. Nevertheless, there are some cases where you'll save more by insuring each car with different insurers. 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 is in your best interest. Insuring more than one car with the same insurance company will always give a good discount.
4. You'll as well become eligible for a big discount if you maintain more than one policy with the same insurance carrier. All you need to do to qualify for this is to buy your auto insurance policy from the same insurance carrier that is underwriting, say, your home insurance.
However, bear in mind that you may be better served if you get your different policies from different providers that give the lowest rates for each policy. Shopping around for quotes and comparing offers out there with what you'll save is seriously encourage. You'll be sure of the most beneficial for your profile if you do this.
5. Staying claims-free will result in a good discount. But don't be surprised if your agent tells you your auto insurance provider does not 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. With this kind of history getting a far lower rate is certainly very easy since claims-free policy holders are every insurer's dream.
But more often than not a serious threat of leaving from you is enough to make them shift grounds.
6. If you have collision and/or comprehensive for an old car which is not a classic, then you're paying much more than you should. 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. Therefore, you'll get nothing if the book says your car is worth nothing at the time of a claim.
Do the smart thing and remove either of them from your auto policy. Doing this will save you much and not compromise you in any way.
7. You'll get a more affordable rate if you select high deductibles. The recommended option is the highest you can easily afford.
Your insurer won't pay out unless you provide this amount. So make very high but keep it within easy reach.
1. One good way to make sure you pay less is being careful always while driving. You'll be making a good decision to always avoid being behind the wheels if you take alcohol.
Driving while drunk, howbeit slightly, will make you pay very expensive rates if you're lucky or be forced to be without auto insurance if luck isn't on your side. And don't forget those speeding tickets because they cost you much more than what you pay as fines. They eventually increase your rate. For your safety then and more affordable rates, never violate any traffic law notwithstanding how small you think it is.
2.You will lower your auto insurance rate if you have an outstanding credit rating. A poor credit history will cost you in higher auto insurance rates. The truth is that they believe that the likelihood of you missing payments of your premiums is very high. Once you are noted as a higher risk you'll invite more expensive auto insurance rates.
3. You can lower your rates by going for a multi-vehicle discount. Nevertheless, there are some cases where you'll save more by insuring each car with different insurers. 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 is in your best interest. Insuring more than one car with the same insurance company will always give a good discount.
4. You'll as well become eligible for a big discount if you maintain more than one policy with the same insurance carrier. All you need to do to qualify for this is to buy your auto insurance policy from the same insurance carrier that is underwriting, say, your home insurance.
However, bear in mind that you may be better served if you get your different policies from different providers that give the lowest rates for each policy. Shopping around for quotes and comparing offers out there with what you'll save is seriously encourage. You'll be sure of the most beneficial for your profile if you do this.
5. Staying claims-free will result in a good discount. But don't be surprised if your agent tells you your auto insurance provider does not 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. With this kind of history getting a far lower rate is certainly very easy since claims-free policy holders are every insurer's dream.
But more often than not a serious threat of leaving from you is enough to make them shift grounds.
6. If you have collision and/or comprehensive for an old car which is not a classic, then you're paying much more than you should. 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. Therefore, you'll get nothing if the book says your car is worth nothing at the time of a claim.
Do the smart thing and remove either of them from your auto policy. Doing this will save you much and not compromise you in any way.
7. You'll get a more affordable rate if you select high deductibles. The recommended option is the highest you can easily afford.
Your insurer won't pay out unless you provide this amount. So make very high but keep it within easy reach.