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.

About the Author:

To learn more visit Really Cheap Auto Insurance and Cheap California Auto Insurance. Chimezirim Odimba is an insurance expert.

High Risk Driver Auto Insurance

By Dante Hollowitz

Being cited for too many traffic tickets, or being involved in several car accidents, or having a conviction of drinking while intoxicated (DWI) or drinking under the influence (DUI) all meant one thing - you are a high risk driver. And being a high risk driver has nothing but just disadvantages for your high risk auto insurance needs. This automatically means you are charged with expensive high risk auto insurance premiums and you may even find it hard to get low cost auto insurance.

To get cheaper high risk auto insurance, the Internet is a very useful site to visit. It gives you a very effective way of finding the cheapest deal for your auto insurance needs. You just have to make sure you allot a little of your time and get the most number of auto insurance quotes that you can get. Since this is a 100% free of charge, you don't have to worry about paying anything. But if you failed to get low cost auto insurance rates after doing that, you can take a look at these tips:

1. Give a little of your time to check with your Department of Motor Vehicles (DMV) about your driving record.

2. If you have insurance for your home or even for your life, you may want to get your auto insurance under the same insurance provider to get a discount for that.

3. Know your vehicle's value and if you think it's not that much then let go of your collision and comprehensive auto insurance coverage.

4. If you are a senior driver and you're above 50 years old, you may just be able to avail a senior discount for your car insurance premiums. In fact, there are states that mandate a discount for senior drivers. You just have to check if it's being offered in your area.

5. If you are to decide whether to set higher amount for your deductibles then do. It's always help to lower your auto insurance cost whenever you get higher deductibles.

About the Author:

Get your low cost High Risk Auto Insurance online quotes here. http://www.highriskauto1insurance.com/ Click here for article submission.

Tips For Reducing Your Auto Insurance Rates

By James

In my other articles, I have discussed different ways to cut down your auto insurance rates in order to save more money. This time, we are going to talk about lesser known tips on how to get your premium rates to go down. In other words, how to save more money.

When considering to move into a new state or neighborhood, first try and see if it is a safe and secure area. Try to relocate to cities that are know to have lower crime rates. This isn't just for your personality safety, but that's because most auto insurance policies take into consideration the safety of your location. This factor highly affect your premiums, which will naturally be cheaper if you live in safer areas.

This makes a lot of sense. If you lived in a high risk area, where vandalizing and car thefts were common, do you really think that an auto insurance company would allow you to have lower auto insurance rates? The answer is NO. They will take into account the likelihood of your car being stolen on vandalized in such an area and then give you a much higher premiums, thus having you pay more.

I also mentioned in an earlier post how purchasing cars with better safety ratings are also another way to reduce your auto insurance rate. But here's an even better piece of advice: when buying cars with better safety rating, always include air-bags as an add-on safety option. This will greatly reduce your premium when your auto insurance company assesses your car, since they factor in the cars safety feature too.

When buying safer-model cars, stay away from the pricier ones and get something a lot less expensive. Why, you ask? While these cars may be a bit safer, they also cost more to maintain, increasing the possibility that you'll be asking your auto insurance company to help pay for the upkeep.

Relatively speaking, an auto insurance company will also pay more in damages should you even get in a wreck in an expensive car, rather than a cheap one. A more expensive car equals more expensive repairs, which in turn translates to more money. Which is what most insurance providers anticipate when raising their premiums. So remember this when you next buy a car.

Another way of lowering your auto insurance rates if by minimizing the time you spend driving. The more you drive, the more wear and tear you'll do to you car, and the higher the possibilities that you'll get into into an accident. So the more time you spend on the rate, equals to more money you'll pay for premiums. So try and keep your driving to a minimum.

About the Author:

Learn more helpful tips and information on auto insurance rates for the budget conscious through this website on auto insurance rates. A new blog is also now available for auto insurance rates.

Proven Ways To Affordable Car Insurance

By Chimezirim Odimba

It's quite very easy for you to buy the right coverage at a low price. All you have to do to achieve this end are pieces of information (that you'd have to put to use, though). Let us now look at several sure-fire ways to get more for a lot less...

You might be able to bring down your rate if you take time to review your policy from time to time. The simple reason for this is that things about us change often without us taking serious note of them. How about removing your just-wedded daughter from your policy?

The changes in your life might have qualified you for certain discounts. There are coverage types that might now be unnecessary. It would, therefore, do you a world of good to review your policy yearly or twice yearly. Finding even one thing that you no longer need on your policy and dropping it will save you something reasonable.

Insurers give give customers who have remained loyal a long term discount and accident forgiveness. Some insurers will give you up to 5% in discounts once you've been with them for up to three years while others will give you such a discount only when you've stayed for up to five.

Furthermore, if a long term policy holder files just one claim, most insurers will NOT raise their rates thereafter. These are all incentives for you to stay with them for as long as possible. The longer you stay, the more you'll save.

Just bear in mind that some people will be better off if they switched to another insurer notwithstanding the many discounts given to long term policy holders.

Let's assume your auto insurance premium with your current insurer is $2,500 you'll get a discount of about 5% or $125 if you continue for at least three years.

However, due to inflation, insurers may have to make adjustments in their rates to contain those changes. But if you do regular shopping for auto insurance you will almost always get an insurer within those years of waiting who will give you a similar coverage for less. In such a case, it will be pointless to stay put because you want to get a discount down the line when you can get cheaper rates at the moment.

And, in nearly all cases, most folks will actually pay cheaper rates than they are presently on auto insurance if they do extensive shopping.. To be sure you're not loosing a better deal, get and compare auto insurance quotes not less than five insurance quotes sites..

You might be missing some concessions you qualify for with your preferred insurer just because you are not aware of them. Since agents too are not above mistakes they might forget to tell you about some discounts you are qualified for. The only way to be sure this is not true in your case is by taking the time to ask your agent to list out every discount that your insurance provider gives. Don't be surprised if you discover one or two that you have not heard of.

Taking a drivers' refresher course can help those above 55 to bring down their rates. You can lower your monthly premium by as much as 10% once you pass this course. You can get details on this from your agent.

Although this may sound funny, you can bring down your rates by getting married. I know you won't get married just for this but when you do, it will save you a bit in auto insurance. There is evidence to show that married people are a lot more stable than their unmarried counterparts. This makes them more careful on the road and, therefore, a better risk to insurers. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

Finally...

You will save much if you only have between 25-30 minutes. Visit, receive and compare auto insurance quotes from various insurance quotes sites. The cheapest quote should be what you pick easily.

But, you have to look beyond just the lowest quote to the best price to value ratio. The cheapest may not offer the best price/value for you as an individual.

About the Author:

Start making huge savings now here: Low Cost Auto Insurance and Discount Auto Insurance. Chimezirim Odimba teaches how to pay less for more.