Apply This If You Want The Cheapest Price

By Chimezirim Odimba

This article will show you other ways you can get cheaper rates. Also take note of the precaution you're advised to take as you apply these tips...

You'll pay a lot more if you live in New York City than you would if you lived in some sparsely populated town. If you can live in a rural area you'll get the best rates possible for your profile because the risk of vandalism, crash or theft is so low in such areas.

Add-ons like towing raise your premium without giving you as much value as using a towing service. By the way, your credit card might already offer this as a benefit so check.

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

Drive as little as possible it will lower your mileage and get you a low mileage discount. This is particularly true for those of us who live in cities with standard mass transit systems.

Carpooling is also another smart way of reducing your mileage.

Young drivers are statistically very bad risks. More so, the younger an under-25 driver, the more they'd have to pay. That is why teenagers pay a lot more than 22-year olds.

Therefore, as much as possible, do not place such a driver on your own policy. It will have an adverse effect on your rate. Sign an exclusion form that will allow your teen driver have his or her own policy.

It's a fair price for them to pay to enjoy the adult privilege of driving. Teens who pay for their own auto insurance are more willing to take steps to bring it down. This by extension means that such a teen driver will be more responsible behind wheels since they bear the full cost of their actions.

Certain lines of duty attract lower rates. Scientists are the cheapest to insure while business owners are among the most expensive to insure. Statistics, for instance, shows that scientists (due to their discipline and lifestyle) are better risks than all other professions.

If you want to find out where your occupation belongs and what to do, see your agent. Take note of the fact that, like most things in insurance, the discount you'll be given will be based on your insurer's relevancy score of line of duty as a factor in calculating a prospect's risk.

For drivers who are less than 25 years, auto insurance rates can be trulyastronomical. If you belong to this age bracker you can attract more affordable rates if you maintain good grades at school. It's known as the good student discount.

The good student discount is for students who get A's or a minimum of B's. For students who qualify, you can expect discounts of about 5 percent. Experience has proven to insurers that what makes a student maintain excellent grades is a level of responsibility which such students also maintain while driving. Young drivers who maintain good grades are usually seen as more responsible and less likely to take to reckless driving.

You can reduce your auto insurance premium by asking for and comparing quotes from at least five reputable insurance quotes sites.

About the Author:

Start saving a lot at Safe Auto Insurance and Really Cheap Auto Insurance. Chimezirim Odimba writes on insurance.

Save More Money With Lower 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.