Monday, June 22, 2009

Vehicle Insurance -- How To Get It Affordably

By Chimezirim Odimba

You'll save by being loyal to an insurer due to the long term discount and accident forgiveness which they give to long-standing policy holders. Depending on the insurer, you'll be eligible for a discount of 5% once you've stayed with them for between three and five years.

The accident forgiveness discount means that your insurer will not raise your rates if you file just one claim. Insurers offer these as incentives to keep you with them since it serves them better too.

But it will only be right for me to also point out that in spite of these incentives, you might actually gain more if you switch to another insurer.

You'll help reduce your rates if you always ensure you park your car in a safe place. Is there a risk of theft, vandalism or accidental damage where you park your car? Then look for a better place as doing otherwise might lead to a claim that will eventually increase your rate. I hope you also know that you'll pay less if you have a garage for your car.

Don't forget to always park your car in a well lit area when you're out. This is because thieves avoid well-lit areas but love operating in the dark. .And for no reason should you leave your car in the open street for a whole night.

Being part of associations, especially the big ones, will get you discounts on your auto insurance. Insurers give these associations group discounts in the hope that they will in that one move attract many of their members to buy an auto insurance policy with them. Bearing this in mind, you'll do well to see if there are good discounts with any association you're part of.

Drive carefully if you're truly serious about attracting affordable car insurance rates. It's a good decision to NOT drive at all once you have taken alcohol (even if it's simply a sip.

Traffic offences that have to do with having more than the allowed amount of alcohol in your system will make you attract quite astronomical rates. Even those speeding tickets eventually add up to make you pay higher rates over time. You'll be helping yourself if you obey all traffic laws always.

If you live in an urban area do your best to use the public transport system as much as possible. The less you use your car, the lower your mileage will be. If your mileage drops by a good margin, your rate will also drop. Therefore, don't use your car whenever it makes sense to do so.

Get more extensive protection for less atArizona Car Insurance quote and San Jose auto insurance

And...

You can save a lot of money in auto insurance if you get and compare auto insurance quotes from quotes sites. You'll realize savings if you go to only one quotes site. But keep this in mind, you will get better results by visiting at least five.

The plain reason for this is that you'll get many more auto insurance quotes from a wider range of insurance companies. This raises your chances of receiving better quotes.

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