Low Cost Car Insurance – 5 More Proven Steps
Wednesday, March 18th, 2009 Subscribe To Our Feed
Do you want cheap rates for adequate coverage? Would you like to learn more about them? Then read through and apply the following sure-fire time-tested steps to getting better rates…
If you have collision and/or comprehensive for an old car which is not a classic, then you’re paying much more than you 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. Therefore, you’ll get nothing if the book says your car is worth nothing at the time of a claim.
Do the smart thing and remove either of them from your auto policy. If you do this you’ll pay a lot less.
Raise your deductible and you’ll get lower rates. It makes sense to have a deductible that is as high as possible but always within easy reach for you.
Your insurer won’t pay out unless you provide this amount.
Take advantage of every opportunity to NOT drive your car as this will reduce your mileage and, by extension, your rate. This is particularly true for those of us who live in cities with standard mass transit systems.
Another great option for those who want to reduce their mileage is carpooling.
Under-25 drivers get very expensive rates. However, one step you can take to enjoy lower rates if you belong to this age bracket is keep getting good grades. It’s known as the good student discount.
You need to maintain a grade point not lower than B to get this good student discount. For young drivers who make themselves eligible, you can get discounts of about 5 percent. Experience has proven to insurers that what makes a student keep getting excellent grades is a level of responsibility which is also carried while driving. Reckless under-25 drivers are not likely to keep getting good grades.
Get and compare quotes if you want to get the best rate. Take out some time to visit a minimum of 5 insurance quotes sites that return quotes on auto insurance policies. It will require around 25 minutes.
As you visit each quotes site, ensure you give the same details. Doing otherwise will return misleading results. After you’ve received your auto insurance quotes, compare them to determine which serves your interest best both in price and value. You will realize savings if you visit only one quotes site. But keep this in mind, you will get better results by using at least five.
The simple reason for this is that you will receive many more auto insurance quotes from a wider range of insurance companies. This raises your chances of receiving better rates.
Finally, don’t forget to treat these no-obligation quotes as their name implies. Don’t feel obliged to pay unless you’ve had all your questions answered to your satisfaction. You will be spared rude shocks down the road if you do this.
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