Tuesday, March 17, 2009

Auto Insurance -- Other Issues That Lower Costs

By Chimezirim Odimba

Folks who know how to shop for quotes normally locate the best deals. If you are NOT one of them, you'll soon learn the process in this article. Nevertheless, before that, or as you do that, there are several other tips to use if you want to pay a lot less. Let's take a look at a few of them...

You can get discounts from a good number of insurers if you're part of associations especially the bigger ones. They stand to get many prospects easily if an association decides to adopt them as their insurer. So check, one of those associations might have discounts you can take advantage of.

Retirees are offered a special discount by a good number of insurance companies. You'll hardly drive as much as you used to do once you are retired. This will effectively lower anybody's mileage.

The details for each insurer may differ but this is certainly a good way to lower your auto insurance cost. So it's a good thing to ask your agent. Even if you don't call it a retiree discount, reporting a dramatic decrease in mileage is important. You are entitled to a reduction in rate if the change in your mileage is significant.

The difference in what it will cost you to insure similar vehicles could be massive. It will do you a world of good if you ask your agent before choosing your next car. A car of similar specification that has a bad crash rating and higher theft rate will be more expensive to insure.

Along these lines, vehicles that generally cost more to repair also cost more to insure. With such diligence you can avoid buying a car that will cost you much in extra premiums over a few years.

One good way to make sure you get cheaper rates is being careful every time you're behind wheels. It's a wise decision to NOT drive at all once you've taken alcohol (even if it's only a sip.

Traffic offences that have to do with drinking invariably make you get very high rates. While alcohol-related traffic offences have very clear and grave consequences, speeding tickets will also affect your rates negatively if they accumulate. Therefore, if it's breaking traffic laws, avoid it no matter how minor it may seem at the moment.

Running a business through the internet is a lot cheaper than a brick and mortar approach. Compared to buying offline from a brick and mortar business, you'll save up to 15% if you buy your auto insurance policy online.

This makes it obvious that you'll save a lot more if you buy online.

While you do this make sure you give correct details. Insurers are mandated by law to cancel any policy once they can prove that the policy holder gave false details.

Don't also forget to confirm your preferred insurer's rating and standing with your state's department of insurance an other financial rating institutions.

And don't forget...

You can get cheaper quotes on auto insurance today by visiting a minimum of five quotes sites. Each quotes site will require around 5 minutes or less to receive quotes. (Some people fill in details that is not really true about themselves. That isn't smart since the quotes you'll get this way will NOT do you any good).

You'll have to choose the best auto insurance quote for you from the list of quotes received. That's all there is to it. Nevertheless you could easily save hundreds of dollars.

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