Would you like to reduce your rate? Then you're reading the the article you need. I'll share time-tested tips for anyone to get the most affordable rate for their profile and coverage needs. And this will be without compromising the level of coverage you get. Here are the tips...
There are many anti-theft or theft-deterrent devices like alarm systems, automatic gas cut-off system and so on. The risk of theft is an important factor that goes a long way to determine your rate. And since these reduce such a risk, you'll attract a good discount for them. Cars without such devices are easy targets for thieving rats.
There are classes that are designed to make you a better driver. Join them. Apart from the fact that this will make you a better driver, it will show your insurer that you're ready to change for the better.
Stay claims-free for more than three years and most insurers will give you a special discount. Remember, this does not mean you might not have any cause to make a claim but that you did not file one. Handling little fixes on your own will help you save more as you'll get a big discount.
For no reason must you allow your policy to lapse..Folks who let that befall them attract only higher rates for a long time. It's easy for this to happen to many people while they are switching to another insurance provider.
A simple way to ensure you do NOT make this type of mistake is to leave your old policy intact until you've confirmed that the new policy is in full force. It looks simple but, take it or leave it, a lot of people are paying a lot more just because they were negligent in this.
If you want to keep your rates down, do NOT "pimp your ride." If you want to impress your friends with those extra special features like bigger types than the manufacturer's specification, then be prepared to pay a lot more. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.
Folks who ignorantly buy either collision or comprehensive coverage or both for an old car that is not considered a classic are simply pay far more than 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. So even if you've paid your premiums faithfully for years but the Kelly Blue Book value says your car is worth nothing, you'll get nothing from your insurer and they'll be totally covered by the law.
Do the smart thing and remove either of them from your auto policy. If you do this you'll pay a lot less.
You might save some hundreds of dollars by just obtaining and evaluating quotes from about five insurance quotes sites. And, it will require just a total of 25 minutes.
There are many anti-theft or theft-deterrent devices like alarm systems, automatic gas cut-off system and so on. The risk of theft is an important factor that goes a long way to determine your rate. And since these reduce such a risk, you'll attract a good discount for them. Cars without such devices are easy targets for thieving rats.
There are classes that are designed to make you a better driver. Join them. Apart from the fact that this will make you a better driver, it will show your insurer that you're ready to change for the better.
Stay claims-free for more than three years and most insurers will give you a special discount. Remember, this does not mean you might not have any cause to make a claim but that you did not file one. Handling little fixes on your own will help you save more as you'll get a big discount.
For no reason must you allow your policy to lapse..Folks who let that befall them attract only higher rates for a long time. It's easy for this to happen to many people while they are switching to another insurance provider.
A simple way to ensure you do NOT make this type of mistake is to leave your old policy intact until you've confirmed that the new policy is in full force. It looks simple but, take it or leave it, a lot of people are paying a lot more just because they were negligent in this.
If you want to keep your rates down, do NOT "pimp your ride." If you want to impress your friends with those extra special features like bigger types than the manufacturer's specification, then be prepared to pay a lot more. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.
Folks who ignorantly buy either collision or comprehensive coverage or both for an old car that is not considered a classic are simply pay far more than 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. So even if you've paid your premiums faithfully for years but the Kelly Blue Book value says your car is worth nothing, you'll get nothing from your insurer and they'll be totally covered by the law.
Do the smart thing and remove either of them from your auto policy. If you do this you'll pay a lot less.
You might save some hundreds of dollars by just obtaining and evaluating quotes from about five insurance quotes sites. And, it will require just a total of 25 minutes.
About the Author:
Get more tips at Safe Auto Insurance and Really Cheap Auto Insurance. Chimezirim Odimba helps people save on insurance.
