Sunday, March 22, 2009

Car Insurance -- Saving Much On Adequate Cover

By Chimezirim Odimba

There are certain overlooked actions that will really help you get superior coverage at lower rates. Do you know those things? Here are some...

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.

Another great option for those who want to reduce their mileage is carpooling.

Having more than one policy with the same insurer also attracts considerable discounts. This simply means you'll should endeavor to buy your auto policy from the same company that provides your home, health or life insurance policies.

However, I must point out that you may not be saving as much as you could by switching. It's worthwhile that you doing comparison shopping. That way you'll be able to determine if this will be to your advantage.

Certain lines of duty attract more affordable rates. Scientists get the cheapest rates while business owners get the highest rates. Statistics, for example, reveals that scientists (due to their orientation and culture) are better risks than all other professions.

If you want to know where your vocation falls into and what to do, see your agent. Just bear in mind that each insurer might have a slightly different position.

There are classes that are designed to make you a better driver. Join them. In addition to making you a better driver, it will get you a discount with your insurer provided such a class is recognized by them.

Do you know that some folks are paying much more in auto insurance because of where their homes are? Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.

Therefore, take your time to ask your agent what effect your new zip code would have on your rates before you make that down payment. The truth is that most people don't think about this when they are about buying a home.

Since you may live in the same home for decades to come, a difference of $200 in auto insurance rates would amount to thousands over the years.

And don't miss this...

You can save more by visiting at least five quotes sites. If you do this, you'll get the lowest quotes available because five sites will give up to 25 quotes altogether.

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